No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My gosh lol, and I don't think I'm done yet, still have a few other credit unions to check out.
I've been on the forums before but I think because of inactivity my account was erased. So I'll give my cards prior to the new stuff, which totaled almost 200K you'll see all of them below. I hadn't opened a new card in about 2 years and at this point these were almost all paid off. I let my inquiries definitely decrease before starting this spree.
Sun Coast Credit Union | $ 15,000 |
PenFed Gold | $ 17,500 |
First Financial FCU Signature Rewards | $ 15,000 |
Langley Signature Rewards | $ 16,000 |
Chartway Signature Rewards | $ 15,000 |
SkyPoint FCU | $ 15,000 |
PenFed Power Cash | $ 10,000 |
DCU Platinum | $ 10,000 |
PayPal Credit | $ 10,000 |
FNBO Signature | $ 4,350 |
Lowe's | $ 1,500 |
BB&T Cash Rewards #3 | $ 6,500 |
BB&T Bright #2 | $ 6,500 |
SunTrust Cash Rewards | $ 6,500 |
Discover Chrome | $ 3,800 |
PNC Rewards | $ 3,400 |
EverBank | $ 5,000 |
BB&T Cash Rewards #4 | $ 4,500 |
BB&T Bright #3 | $ 4,500 |
BB&T Bright #1 | $ 4,500 |
BB&T Travel Rewards | $ 4,500 |
Best Buy | $ 4,000 |
BB&T Rewards | $ 3,500 |
Citi Double Cash | $ 3,000 |
Synchrony Bank | $ 2,500 |
BB&T Cash Rewards #1 | $ 2,500 |
BB&T Cash Rewards #2 | $ 2,000 |
Bank of America | $ 1,500 |
PayPal Mastercard | $ 1,100 |
$ 199,150 |
Once my scores all went above 750 I began the spree, see below. I wanted to thank all the members that contribute to this forum because this wouldn't have been possible without you. I targeted CU's because they've always treated me well as you can see above. I combed through searches by titles then also looked at the different cards in the different profiles for the targets below, I think most of you will see some of these have been common around here (Jovia for example). As a data point, I recently got bumped to 135K salary at work so I think that was a driver as well, but they just kept approving me...these are all unfenced by one way or another I believe, except maybe Advance Financial FCU, since they are local to me:
NEW
Service Credit Union Elite Rewards: $30,000
Harvard FCU: $25,000
Michigan State FCU: $20,000
Farmers Insurance (FIGFCU): $20,000
Advance Financial FCU: $18,000
Jovia Credit Union: $15,000
Suncoast Credit Union Signature Rewards CLI: $15,000
Ashley Furniture Card: $12,000 (was shopping for furniture)
KeyPoint FCU: $5,000
Synchrony Bank MasterCard CLI: $2,500
Mind you, this is all in the span of about a week, and multiple a day. Most have pulled Experian, and additionally some Equifax, but most all did pull Experian and they didn't care about all the inquiries, which at the start were pretty low around 5 but obviously now are much higher. The latest approval was TODAY, so I'm going to keep pushing until someone rejects me! Let me know if you have any questions.
Thats an amazing spree! Congrats!
Congratulations!!!
That’s Terrific!! Congratulations on all your Approvals!!👏🏼🍾🥂
Please don't be surprised when see your score tank after all those new accounts get reporting. I will go back up in time
Congrats on the insane spree!
I would be cautious though. It wouldn't surprise me one bit to see one or more of those get closed when they all report as that kind of rapid addition of new credit is a strong indicator for potential bust out fraud.
Thanks! Yeah, pretty experienced at this point lol, I have perfect payment history, and have low balances, shouldn't take too big of a hit!
I would be more concerned with big banks or bigger providers, haven't had that problem with Credit Unions but we shall see. I'm sure they enjoy the $20 I throw into the savings account at each of them. I've had the first list of cards for over 4 years or so, so pretty established. Will keep this updated 😀.
Why have any? 😀
Just a hobby really, testing boundaries, having a high total limit also keeps your usage lower if carrying a balance.