cancel
Showing results for 
Search instead for 
Did you mean: 

I think it's time for the garden

Seekerofthe800
New Contributor

I think it's time for the garden

5 week spree:

Chase Freedom - Approved

One week later:
Capital One Quicksilver - Approved
Discover It - Approved

2 or more weeks after:
Citi Double Cash - Approved
Amex Blue Cash Preferred - Approved (Yes!!!!)

Good stopping point, but Chase Sapphire Preferred - Rejected

4 days later Capital One Venture - Rejected, considering calling Executive Office for a recon, but otherwise I'm done for a couple years. Got the cards I want now and more than exceeded expectations. Gardening is such sweet sorrow, would really like one good travel card, but just not worth all the hits or more than 2 failed apps.
Message 1 of 23
22 REPLIES 22
incubus24
Established Contributor

Re: I think it's time for the garden

congrats!

 

btw look up chase '5/24 rule'. might be a useful info if you wanna app more (esp. chase cards) in the future.

wishlist: Paypal 2% CB PenFed 2% Power Cash Rewards \ BofW 3% CB Golden1 3% No Fastfood | gardening since Nov '17


FICO scores | Inq | AAoA: EX: 809 | 4 | 3yrs \ TU: 811 | 3 | 2yrs \ EQ: ? | 0 | 2yrs

Message 2 of 23
Yes-Its-Me
Super Contributor

Re: I think it's time for the garden

Good decision... You have had a good run.  Congrats on the approvals..

Message 3 of 23
eXs
Valued Member

Re: I think it's time for the garden

wow, that's awesome!

 

I just got Quicksilver and DC myself... I wanted a Discover and Amex as well but I don't know how that would reflect on my credit score... are sprees like that hurtful to the credit score?

 

If you don't mind sharing, could you please tell us/me if your score changed significantly after all this?





Gardening since 04/21/2016
Message 4 of 23
Seekerofthe800
New Contributor

Re: I think it's time for the garden

I was 681 equifax, 654 transunion and 688 experian for fico 8 scores.

Prior to this, I only had a secured cap one and a credit union unsecured with low limits and a jcpenney that I app'd for in November. I have not seen those scores change yet and I think they only reflect the Chase Inquiries, Discover It, and Capital One. My credit karma fako scores have tanked 11 points on Transunion and 8 points on whatever the second one they use is and they still have me around 710.
Message 5 of 23
Seekerofthe800
New Contributor

Re: I think it's time for the garden

I'm glad that the Freedom was the first on the list and I'll definitely be waiting 2 years now.
Message 6 of 23
nikokonto
Frequent Contributor

Re: I think it's time for the garden

How much did the Amex BCP give you for starting limit

Starting Scores 8/24/14 FICO TU:507 EQ:500
Scores as of 1/1/2016 FICO TU:633 EQ: 622
Scores as of 1/1/2017 FICO TU:759 EX:693 EQ:694
Scores as of 1/1/2018 FICO TU: 751 EX: 739 EQ: 735
Scores as of 1/1/2019 FICO TU: 786 EX: 801 EQ: 796
Message 7 of 23
Seekerofthe800
New Contributor

Re: I think it's time for the garden

Only 2k.

Freedom 3k
Discover It 5k
Quicksilver 10k
Citi DC 1.5k
Amex BCP 2k

A bit low but I'm fine with it.
Message 8 of 23
2011XTERROR
Super Contributor

Re: I think it's time for the garden

congrats. yeah gardening will do you justice. i recommend at least 9-12 months (or until you're around 700) if you want a good travel card. it gives you plenty of time to research it and find the best one for you. btw the venture isn't a good "travel card". just FYI Smiley Wink
i am on mobile so i don't see your desktop signatures
Message 9 of 23
12RingKing
Frequent Contributor

Re: I think it's time for the garden


@Seekerofthe800 wrote:
Only 2k.

Freedom 3k
Discover It 5k
Quicksilver 10k
Citi DC 1.5k
Amex BCP 2k

A bit low but I'm fine with it.

Those are all great cards. Congrats.



Citi Double Cash: 1B CL | Discover IT: 600M CL | AMEX BCP: NO Limit | Lowe's: 450k

Gardening Since: 2-19-16
Message 10 of 23
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.