HUGE App Spree!!!

[Anonymous]

Finally after closing on our house I was able to go on an app spree I only had a USAA secured credit card for around 2 years, FICO scores in the low-mid 700s and annual income of 60k. I do not plan on obtaining a loan or anything in the near future and I'm still very young so I figuered now would be the best time to start my credit card portfolio and to let all of them grow together and have my inquiries fall off at the same time. Here is the outcome:

Approved:
Lowes Store Card $17,000
Navy Fed CashRewards Visa $7,100
Delta Gold Amex $6,000
Chase Sapphire Preferred $5,000
Hilton Honors Amex $4,000
Discover It Card $3,000
USAA Rate Advantage Visa Platinum $3,000
Amazon Store Card $2,000
Penfed Promise Visa Card $1,000

Total: $48,100


Denied:
CapOne Venture
CapOne Quicksilver
BoA BankAmericard
Home Depot (oddly enough)

Very happy with the outcome! I will close my USAA secured visa now and hop in the garden!

[Anonymous]

Congrats on the approvals.  Did you apply for all of these cards on the same day?  Have you received any reasons for the cards you got denied for?

[Anonymous]

Quite a spree! Congrats on the approvals.  Funny about HD

[fullstackdev]

Congrats on the nice approvals! Quite a haul.

[Anonymous]

Thank you! I closed on my mortgage last Wednesday and right after applied for Lowes, Navy Fed, Amazon & HHonors. Applied for CSP & Delta Gold on Thursday (got 5 day fraud protection message for Delta Gold and didn't get approved until today). Applied for Discover It and both CapOnes on Friday, Called CapOne after denial and they stated that since Lowes & Amazon already showed up with a credit line of almost 20k that they cannot approve me since I went from having $300 secured CL to $20k unsecured. Applied for USAA and Penfed today (called Penfed about SL increase and was denied for same reason as CapOne denial), BoA I didn't call and ask.

Home Depot was a whole different story that made me upset: I was approved at Home Depot for $500SL during phone approval process which I declined. After reading that people had look with enormous CLIs after a while I called back and asked to get my application reinstated. Was told it's not possible but to simply submit a new application which would get me approved again. Nope, came back denied and according to Citi there's nothing they can do about that *eyeroll*, same reason as others stated about 20k unsecured credit showing on report.

[Anonymous]

Sync post new accounts super fast! I was wondering why the denial for Cap1 but now it makes sense. 

Glad you got your CSP before you hit 5/24! 

[Anonymous]

Congratulations, thefirtree, on your mortgage and the nice approvals! 

[Anonymous]

Congrats, you have some nice cards in there! I'm planning on doing a mini spree after I close in late March. Did you use your old or your new address to apply? Wasn't sure how that worked when people app right after closing.

[Anonymous]

We are overlapping a month and are still living in our rental home right now so I used this address

[Anonymous]

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@Anonymous wrote:

Congrats, you have some nice cards in there! I'm planning on doing a mini spree after I close in late March. Did you use your old or your new address to apply? Wasn't sure how that worked when people app right after closing.

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I apped for a few cards after my closing.  I used the new address, but I had rented from the sellers for a month before closing, so the address was established.