Latest App Spree

[Anonymous]

Today was the day that inquiries fell off. Scores 750EQ/771TU/754EX AAOA 37 months. 47 Active trade lines. 8 closed. 

Penfed Power Cash Rewards : Approved 30K limit

Citi Double Cash: Approved $800 - Seriously?

Chase Ritz-Carlton : Approved 10K 

BoA - Cash rewards - pending decision - Update Approved waiting on card and welcome kit for limit

Fidelity Visa - pending decision - Update Approved 5K starting limit.

Amex - Hilton Honors : Approved 16K

Amex - Everyday Cash Preferred - Approved 16K

Amex - Platinum upgraded my Premier Rewards to platinum for the $200 Uber and $200 Airline Credits.

Williams Sonoma - SCT 4K limit no hard pull. 

Barclay - Arrival - Denied "too many new accounts in last 24 months"

Chase Ink - Denied "too many new accounts in last 24 months"

American Express is still stingy with CLI's. I've had Delta Gold and SPG for 3 years, denied CLI each time. Blue Cash Plus for 2 years and PRG for 18 months. Instead of giving me CLI's they just double my starting limits on new accounts. Total of 6 Amex cards now.

I'll update when the BoA and Fidelity pendings update.

Not too bad overall. Back to gardening. Total T/L are at 320K, utilization under 5% 360K income.

[Anonymous]

Congrats on the spree, minus that Citi ridiculousness.

Nice scores, but what's keeping you from 800s?  High utilization?  No installment loan?  Just curious since you appear to have great account age and I assume AoOA > 6 years.

[AverageJoesCredit]

Nice job, i wouldnt call 16k sl stingy but then again i dont make 360k. Yeah, even for us lower beings haha, that $800 sl from Citi with your scores and income makes zero sense. Penfed seems to understand value with your income lol. Enjoy your new approvals and good luck on pending. #WarEagle

[Anonymous]

I had high utilization, was carrying close to 160K in revolvers, 28 in PLOC's when I started a new business, that failed miserably. Went back to work, hired on with a great company, got luck with bitcoin. 

I'm carrying 17K in 0% financing. Care credit, Macy's furniture, Rooms 2 Go.

AAoA is just over 3 years. Oldest accounts are Amex at 23 years.

[Anonymous]

Haha, I hear you about bitcoin!  I've been investing tiny amount every week like clockwork since 2012, was a (small) part of why I retired at 41.  Wish I put in way more, but so does everyone, lol.

Nice work rebuilding!  Did you ever burn Citibank in BK or CO?

[Anonymous]

Congratulations.

[Anonymous]

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@Anonymous wrote:

Haha, I hear you about bitcoin!  I've been investing tiny amount every week like clockwork since 2012, was a (small) part of why I retired at 41.  Wish I put in way more, but so does everyone, lol.

Nice work rebuilding!  Did you ever burn Citibank in BK or CO?

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Nope, no BK or CO's ever. I paid off the balances one by one. Spotless payment history, large mix of accts minus real estate. Paid off auto loans. Active Harley financial loan at month 30 of 48. 

[Anonymous]

Congrats on your success.   Keep it up

[Anonymous]

Updated the intial post to include some pending details.

[BronzeTrader]

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@Anonymous wrote:

Today was the day that inquiries fell off. Scores 750EQ/771TU/754EX AAOA 37 months. 47 Active trade lines. 8 closed. 

Penfed Power Cash Rewards : Approved 30K limit

Citi Double Cash: Approved $800 - Seriously?

Chase Ritz-Carlton : Approved 10K 

BoA - Cash rewards - pending decision - Update Approved waiting on card and welcome kit for limit

Fidelity Visa - pending decision - Update Approved 5K starting limit.

Amex - Hilton Honors : Approved 16K

Amex - Everyday Cash Preferred - Approved 16K

Amex - Platinum upgraded my Premier Rewards to platinum for the $200 Uber and $200 Airline Credits.

Williams Sonoma - SCT 4K limit no hard pull. 

Barclay - Arrival - Denied "too many new accounts in last 24 months"

Chase Ink - Denied "too many new accounts in last 24 months"

American Express is still stingy with CLI's. I've had Delta Gold and SPG for 3 years, denied CLI each time. Blue Cash Plus for 2 years and PRG for 18 months. Instead of giving me CLI's they just double my starting limits on new accounts. Total of 6 Amex cards now.

I'll update when the BoA and Fidelity pendings update.

Not too bad overall. Back to gardening. Total T/L are at 320K, utilization under 5% 360K income.

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Eagle, if you indeed have $360,000 annual income, you should have a far better credit profile.  Most of your CLs should be much higher.  Chase is known to chase the rich people.  I'm just surprised that they gave you $10k CL on the Ritz Carlton card.  Chase typically gives $30k on the Ritz card for the affluent clients.  

AmEx is also very generous with CL.  BA is more relationship based and BA will hand out cards with $21k starting CLs easily....