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Massive Approval Spree

yoshee08
Member

Massive Approval Spree

Been having lots of fun with Approval Sprees recently. Low limits, but hoping to grow these soon..

Thought I'd share my fun in a first post; Also just for a record. 

 

 

Before approvals: 

Amazon SYNCB - Opened 06/2019 canceled in FEB '21. 

Amex BCE opened Jan '20 with $1k limit

Apple card - Opened nov '20 with $4k limit

Barclays upromise - Opened Jan '20 with $5k limit 

Cap one quicksilver - Opened Jun '19 with $2k limit

Unify secured card - Opened august '20 for $500

Discover - Opened Jan '20 with $2k limit

Lowes opened July '20 with 1k limit

Education CU Credit Card - opened Dec '18 (first card) with $5k limit --- Was bumped to $15k when I applied for an auto loan with them

Two chase AU cards from my dad. One with a $9800 limit one with a $6k limit. 

Starting Credit limit for all accounts was $47.5k.

Scores were 730 for EXP 753 for EQU and 758 for TU

These are all the ones being reported. I also have an Amex Amazon business with a $1k limit, and BC business with a $3k limit (this one is getting heavy spend for a business, PIF every month) and a Chase INK for $4700

 

 

Between FEB and April I applied for

Auto Loan with Education CU - $9k at 2.25% for 60 months

Applied for 2nd discover, was approved for $3k - used as a Balance transfer for $700,  plus the 10x back on categories for the first year.

CLI on original Discover so total limit is $5k on my original card

Auto loan, and cli From Education CU 

Barclays CLI - Denied based on too many inquiries on Experian - had about 14 at the time.

WF card - Denied due to not having an account with them (didnt do my research first)

Fidelity Card - Approved for $2k limit; Have about 10k in accounts with fidelity.

TD bank Cash rewards - Approved for $1k limit. $100 for $500 spending. Did not call to recon, and I have about $1k in a checking account with them.

Venmo - Approved for $2200k

Citi DC - Denied due to too many inquiries 

4 CLI's on Lowes card during this time as well. Went from 1k -> $5k -> $10k - $17k -> $23K

Applied for Lowes Business card - Approved for $1800

Tomo card - Approved for $2k. 

 

 

April - Applied for AMEX Business BP an was approved for another $3000. 

 

Ending limit for cards reporting to reports, $79.5k, Total including AU chase cards is $95k

 

Also applied for a mortgage in March (seems to be going well)

Fico Scores dropped to about ~720 with all the approvals and accounts etc.

Scores have now returned. ~750 

 

Very minute balance being reported, mostly from the Chase cards, then of course my $700 Balance transfer for discover. 

 

Current Score as of 04/20/2021:
Inquiries from 24 months as of 04/20/2021:

Current cards in order of approval


28 REPLIES 28
House2021
Frequent Contributor

Re: Approval Spree

You can get a second Discover card? Same type? I didn't know that was a possibility. It

s it Discover It card?

Message 2 of 29
House2021
Frequent Contributor

Re: Approval Spree

Which bank does Lowe's? I used to have one years ago through Synchrony, is it still Synchrony?

Message 3 of 29
CreditAggie
Senior Contributor

Re: Approval Spree

Congratulations on your approvals!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 4 of 29
yoshee08
Member

Re: Approval Spree

Yes, you can hold up to 2 discover cards at a time.

 

Both lowes cards are through synchrony bank. 

Current Score as of 04/20/2021:
Inquiries from 24 months as of 04/20/2021:

Current cards in order of approval


Message 5 of 29
CreditMagic7
Super Contributor

Re: Approval Spree

That's very proactive in my book and i congratulate you on making some real positive progress!

 

Best Wishes going forward Smiley Happy

Message 6 of 29
M_Smart007
Epic Contributor

Re: Approval Spree

Congratulations on your approvals!

Message 7 of 29
M_Smart007
Epic Contributor

Re: Approval Spree


@House2021 wrote:

You can get a second Discover card? Same type? I didn't know that was a possibility. It

s it Discover It card?


@House2021, Yes you can have (2) Discover cards.

They both can be the same.. IE: (2) it cards.

Message 8 of 29
ComeBackLady
Established Contributor

Re: Approval Spree


@yoshee08 wrote:

Been having lots of fun with Approval Sprees recently. Low limits, but hoping to grow these soon..

Thought I'd share my fun in a first post; Also just for a record. 

 

 

Before approvals: 

Amazon SYNCB - canceled in FEB. 

Amex BCE opened Jan '20 with $1k limit

Apple card - Opened nov '20 with $4k limit

Barclays upromise - Opened Jan '20 with $5k limit 

Cap one quicksilver - Opened Jun '19 with $2k limit

Unify secured card - Opened august '20 for $500

Discover - Opened Jan '20 with $2k limit

Lowes opened July '20 with 1k limit

Education CU Credit Card - opened Dec '18 (first card) with $5k limit --- Was bumped to $15k when I applied for an auto loan with them

Two chase AU cards from my dad. One with a $9800 limit one with a $6k limit. 

Starting Credit limit for all accounts was $47.5k.

Scores were 730 for EXP 753 for EQU and 758 for TU

These are all the ones being reported. I also have an Amex Amazon business with a $1k limit, and BC business with a $3k limit (this one is getting heavy spend for a business, PIF every month) and a Chase INK for $4700

 

 

Between FEB and April I applied for

Auto Loan with Education CU - $9k at 2.25% for 60 months

Applied for 2nd discover, was approved for $3k - used as a Balance transfer for $700,  plus the 10x back on categories for the first year.

CLI on original Discover so total limit is $5k on my original card

Auto loan, and cli From Education CU 

Barclays CLI - Denied based on too many inquiries on Experian - had about 14 at the time.

WF card - Denied due to not having an account with them (didnt do my research first)

Fidelity Card - Approved for $2k limit; Have about 10k in accounts with fidelity.

TD bank Cash rewards - Approved for $1k limit. $100 for $500 spending. Did not call to recon, and I have about $1k in a checking account with them.

Venmo - Approved for $2200k

Citi DC - Denied due to too many inquiries 

4 CLI's on Lowes card during this time as well. Went from 1k -> $5k -> $10k - $17k -> $23K

Applied for Lowes Business card - Approved for $1800

Tomo card - Approved for $2k. 

 

 

April - Applied for AMEX Business BP an was approved for another $3000. 

 

Ending limit for cards reporting to reports, $79.5k, Total including AU chase cards is $95k

 

Also applied for a mortgage in March (seems to be going well)

Fico Scores dropped to about ~720 with all the approvals and accounts etc.

Scores have now returned. ~750 

 

Very minute balance being reported, mostly from the Chase cards, then of course my $700 Balance transfer for discover. 

 


🥳🥳🥳Congratulations on all your terrific approvals during your Q12021 App Spree 🕺🏽!!! Nice TCL increasing. Sweet! Nicely done all around. Thanks for the denial info and reminders like w WFB💰. We gottah remember the B and not just WF w app'g. 🙃😉 

 

Congratulations!!! Anymore planned, contemplating this year? Or are you strolling 🚶🏻‍♂️🚶🏾‍♂️🚶‍♂️ (just discovered there's an emoji for that 😂) into The Garden to cultivate now for awhile? 🤔

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 9 of 29
OmarGB9
Community Leader
Super Contributor

Re: Approval Spree

Congrats!


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 29
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