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Massive Approval Spree

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yoshee08
New Contributor

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 04/14/2022:




Inquiries from 24/12 months as of 05/16/2022:

//
/


Current cards in order of approval

28 REPLIES 28
House2021
Established 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
Established 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
Community Leader
Super Contributor

Re: Approval Spree

Congratulations on your approvals!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 29
yoshee08
New Contributor

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 04/14/2022:




Inquiries from 24/12 months as of 05/16/2022:

//
/


Current cards in order of approval

Message 5 of 29
CreditMagic7
Mega 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
Legendary Contributor

Re: Approval Spree

Congratulations on your approvals!

Message 7 of 29
M_Smart007
Legendary 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
Anonymous
Not applicable

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? 🤔

Message 9 of 29
OmarGB9
Community Leader
Super Contributor

Re: Approval Spree

Congrats!


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 29
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