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Great App spree!!

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yudeology101
Senior Contributor

Re: Great App spree!!

WTG Congrats on a successful app spree!! Great cards & great limits!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 11 of 13
tonyjones
Valued Contributor

Re: Great App spree!!


@Muschock wrote:
Decided after closing on my home to go on an app spree...I was pretty surprised but ended up with:

Barclay Reward: 1500
USAA Reward: 7000
USAA Rate Advantage: 7000
Chase Sapphire: 5000
Chase Amazon Reward: 3500
Discover IT: 7000
And
Capital One Venture: 10000

Haha...definitley heading to the garden! My credit score is around 670 EQ and 715 Tran and 720 EX.

I downloaded Wallaby app to figure out which card is the best to use for the most rewards. When I buy something on credit I immediatle transfer the amount from checking to savings and then will pay cards down each month.

Been reading here for months and finally just did it!

Any baddies? how many inquiries did you have and AAoA/Credit Utilization?

Current Fico Scores: (November 2025)
Message 12 of 13
Muschock
New Contributor

Re: Great App spree!!

My AAofA is 5yrs. I have 2 paid medical judgements from 4yrs ago and 3 paid medical collections from 4yrs ago. I started the app spree with 4 inquieries and I think ended up with 11. I am a single mom of 5 and after my divorce 4yrs ago my credit sucked. If someone would have told me I would own my dream home, have a great job, built up my credit I would have told them they were crazy!! These forums have been great!!
Message 13 of 13
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