Labor Day Weekend Spree Haul

[gcfern81]

New Account Approvals

Interior FCU Platinum $10,800

Interior FCU PLOC $12,400

Chase Freedom Unlimited $11,000

Fidelity Rewards Visa Signature $14,200

Jovia Visa Advantage $15,000

Jovia Visa Signature Elite $10,000

Jovia Safetyline LOC $15,000

CLI Approvals

DCU Platinum $10,000>$14,200

NFCU More Rewards $28,600>$30,000

USAA Rate Advantage $17,000>$23,000

USAA Preferred Cash Rewards $14,700>$20,700

Denials

Altra FCU redeemed offer for $15,000 credit card after receiving preapproval offers for 2 years

Reason for denial: "Value or type of collateral not sufficient" lol

TCL $239,700 > $345,700

[FicoMike0]

Wow, that's quite a haul, Congratulations!

[Snook_on_the_Line]

That is quite the spree.    

and I thought my five apps in a month and a half was overboard.   

Congrats 🍾🎊🎉 

[Snook_on_the_Line]

Did Jovia and interior reuse the hard pills ?

[keekers]

Congrats.

[gcfern81]

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@Snook_on_the_Line wrote:

Did Jovia and interior reuse the hard pills ?

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Yes one inquiry each. My reports were frozen for each subsequent app.

[Aim_High]

Welcome to My FICO forums @gcfern81 and congrats on some very nice approvals and CLIs! 😁 Hopefully you will get to keep it all. That was a pretty aggressive spree and I note that you included Chase. In their regular file reviews, they have been known to close accounts when they see they were included in a spree that would have led to a 5/24 denial if they were at the end. In other words, they try to stop consumers from bypassing 5/24 on a technicality that you were 5/24 one minute when you apply with them but ten minutes later you are over.  Other lenders may do the same thing. 

So enjoy those new cards but do let us know if any get closed or questioned! 

[gcfern81]

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@Aim_High wrote:

Welcome to My FICO forums @gcfern81 and congrats on some very nice approvals and CLIs! 😁 Hopefully you will get to keep it all. That was a pretty aggressive spree and I note that you included Chase. In their regular file reviews, they have been known to close accounts when they see they were included in a spree that would have led to a 5/24 denial if they were at the end. In other words, they try to stop consumers from bypassing 5/24 on a technicality that you were 5/24 one minute when you apply with them but ten minutes later you are over.  Other lenders may do the same thing. 

So enjoy those new cards but do let us know if any get closed or questioned! 

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@Aim_HighThanks for the insight. In cases with Chase where that has happened, when do these reviews typically occur? Are we literally talking minutes? These are the order of approvals by date. I was 3/24 before the first approval.

8/27/24 Interior FCU Platinum

8/29/24 4:02am Chase Freedom Unlimited

8/29/24 3:03pm Fidelity Rewards Visa Signature

9/3/24 Interior FCU PLOC

9/3/24 Jovia Visa Advantage

9/6/24 Jovia Safetyline LOC

9/10/24 Jovia Visa Signature

I will definitely be keeping an eye out and let you guys know.

[MissLiz]

Wow! Congratulations on your impressive haul!

[cashorcharge]

That’s Terrific!! Congratulations on your Approvals!!👏🏼🍾🥂

While that's quite a spree....I hope you intend on gardening for a while.  You're going to take a few hits with this INQ's and new Accounts.