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First App Spree!

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mysterythemoon
Regular Contributor

First App Spree!

Currently on an app spree:

 

Amex BCE: 1,400

Chase SP: 5,000

NFCU Cash Rewards: 1,700

 

Any other cards I should apply for? I'm also thinking about seeing about an auto loan from NFCU, since I may be in the market. 

 

Also, should I call the three I got approved for and ask for a CLI immediatly? 

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL 2018 CREDIT LINE: $61,200

JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.

CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)

SPRING 2026
ALL BADDIES DROP
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: First App Spree!

Congrats! I would not ask for CLI immediatly. Give it six months at least. If you shop at Amazon frequently I would look into getting their Amazon.com Store Card. For prime members it is unlimited 5% cash back! 

Message 2 of 6
Anonymous
Not applicable

Re: First App Spree!

congrats! i applied when i was at around your TU and EQ scores (havent ever updated my signature) for an auto loan and got approved but for a pretty high rate but it was affordable and i dont plan on keeping loan that long, you never know. what are you looking to get for loan

Message 3 of 6
mysterythemoon
Regular Contributor

Re: First App Spree!

15k or so. 

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL 2018 CREDIT LINE: $61,200

JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.

CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)

SPRING 2026
ALL BADDIES DROP
Message 4 of 6
Anonymous
Not applicable

Re: First App Spree!

i got approved for 18000 requesting 15k at a rate of 10.19 they pulled equifax, you were maybe 5-6 points higher than what i was but you may have cleaner profile, good luck

Message 5 of 6
Anonymous
Not applicable

Re: First App Spree!


@mysterythemoon wrote:

Currently on an app spree:

 

Amex BCE: 1,400

Chase SP: 5,000

NFCU Cash Rewards: 1,700

 

Any other cards I should apply for? I'm also thinking about seeing about an auto loan from NFCU, since I may be in the market. 

 

Also, should I call the three I got approved for and ask for a CLI immediatly? 


Congratulations on your approvals!!! Nice set of cards there. 

 

For the NFCU Cash Rewards, you should wait 90 days plus AR before applying for a CLI.

 

As you have the Chase Sapphire Preferred, it looks like many people pair that with the Chase Freedom (which is a rotating category card like the Discover) or the Chase Freedom Unlimited (after more reading, looks like recent posters pair with the Freedom Unlimited). Unsure of when you can apply for that though. 

 

If you like rotating category cards, and cannot or don't want to apply for the Chase Freedom, I love my Discover Card. It has 5% quarterly rotating categories. I love the customer service and Discover Deals that are offered. 

Message 6 of 6
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