FICO 700+ App spree!

[xaximus]

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@MrCreditInternational wrote:
Thanks a lot everyone!
I did learn a lot from this forum, and I'm really glad that my crazy plans did work!

The reason I'm not gardening is that I'm graduating next year and I'll have to stay at home for a year or more, so I'll garden then.

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I definitely don't think it's a good idea to keep apping. Not only have you added multiple cards in a very short amount of time, you'll be risking AA. Adding too many cards may throw red flags (credit seeking behavior) and may cause lenders to start shutting your accounts down. Credit is not a race, it's a marathon. The slower you go, the lesser your risk is to a lender. 

[MrCreditInternational]

My plan is actually to start closing useless accounts like Deserve and Cap1

[Anonymous]

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@MrCreditInternational wrote:
My plan is actually to start closing useless accounts like Deserve and Cap1

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That’s all fine and dandy but it doesn’t change the fact that all of your new accounts are making you look risky, not the old ones. 

You have had a successful spree but I would head to the garden before you spook them. 

[Five6Two]

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@Anonymous wrote:

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@MrCreditInternational wrote:
My plan is actually to start closing useless accounts like Deserve and Cap1

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That’s all fine and dandy but it doesn’t change the fact that all of your new accounts are making you look risky, not the old ones. 

You have had a successful spree but I would head to the garden before you spook them. 

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+1, you are going to keep thinning out your profile with more cards - as Saeren said, you are going to appear risky at some point to some lender. Once one hits you with an AA others can follow...congrats on what you pulled in, let that grow 

[MrCreditInternational]

What's an AA??

[Marz2002]

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@MrCreditInternational wrote:
What's an AA??

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Adverse Action - the Lender decides to Reduce or Close the credit line.

[ZackAttack]

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@MrCreditInternational wrote:

Hello everyone!

I'm an international college student, I started my credit cards jurney in October 2018 with BofA 123 card with 1000$ SL. Afterwards I went on an app spree and got lucky with some cards, but mostly rejected by everyone else. I was able later to get approved to more cards including the Amex Gold and HSBC Advance (see my signature for more information). 

Anyways, two days ago (4/1/2019) I got my fisrt FICO score! 

Since I broke into the 700+ club, I wanted to celebrate by applying to many cards and requisting CLI's on my cards.

Here are the results for now (I'll update the post if I get more approvals!):

Discover it CLI: 1750$ ---> 2200$

Amazon Store card CLI: 400$ ---> 1000$

PNC Cash rewards approved for 12500$!!!!!!!!!!!!!!!!!!!!!!!!!!!

Honestly my biggest surprise was the PNC approval! The SL on that card is almost the same as my combined SL on my other cards !!!!

If anyone has any suggestions regarding cards I should apply for, please let me know!

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The Discover card, is that in the student version or the regular version?

[MrCreditInternational]

I started with student chrome and then changed it to student it.
Started with 1250$ in Nov ---> 1750$ in March ---> 2200$ few days ago

[Anonymous]

Congrats on your approvals. Definitely an accomplishment to be proud of.

I,too, think you should put the brakes on applying for anything more right now. Let these accounts age. Too much too soon is deemed credit seeking and will come back to haunt you. You have a great credit line with PNC. Take advantage of that and take what you have an periodically try for CLI with them.

[ZackAttack]

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@MrCreditInternational wrote:
I started with student chrome and then changed it to student it.
Started with 1250$ in Nov ---> 1750$ in March ---> 2200$ few days ago

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Lucky you :/ 

I started Jan 2019 and got the $500 (min) credit limit. 

Least I know that it can increase but idk how much for Discover's Student Card