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Massive app spree

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Rmullens2208
Contributor

Massive app spree

So it's been a year since my last post got hammered and did a super massive app spree with some massive approvals

 

BOFA - denied

chase southwest -denied

chase Freedom 5-7 days hoping for approval

 

amex platinum-Denied

Walmart card----"""" massive 400$ approval ""

citi double cash -DENIED

Citi Costco -DENIED

SOFI- Denied

shell gas card a blazing 550$ approval!!!!

about a dozen more 5-7 day waits hoping for these approvals now time to wait another year and do it again!!!

Message 1 of 8
7 REPLIES 7
Rmullens2208
Contributor

Re: Massive app spree

Anyone have my idea how long it takes to get these cards I'm so ready to start making some purchases 


@Rmullens2208 wrote:

So it's been a year since my last post got hammered and did a super massive app spree with some massive approvals

 

BOFA - denied

chase southwest -denied

chase Freedom 5-7 days hoping for approval

 

amex platinum-Denied

Walmart card----"""" massive 400$ approval ""

citi double cash -DENIED

Citi Costco -DENIED

SOFI- Denied

shell gas card a blazing 550$ approval!!!!

about a dozen more 5-7 day waits hoping for these approvals now time to wait another year and do it again!!!


 

Message 2 of 8
SUPERSQUID
Valued Contributor

Re: Massive app spree


@Rmullens2208 wrote:

So it's been a year since my last post got hammered and did a super massive app spree with some massive approvals

 

BOFA - denied

chase southwest -denied

chase Freedom 5-7 days hoping for approval

 

amex platinum-Denied

Walmart card----"""" massive 400$ approval ""

citi double cash -DENIED

Citi Costco -DENIED

SOFI- Denied

shell gas card a blazing 550$ approval!!!!

about a dozen more 5-7 day waits hoping for these approvals now time to wait another year and do it again!!!


Wow, thats a major amount of apps at once, and i'm not shy myself when it comes to apping. finally this fall my inqs drop to a respectful level of less than 10.

Firstly CONGRATS on the couple of approvals you did get. some cards forward you a card number in advance of the physical card to make online purchases, but the physical card usually takes 10 - 14 days to receive. some lenders like discover are quicker and some like penfed are slower, ymmv.

when i started rebuilding some easy to get cards for me were, target 300 sl, kohls 300 sl, firestone 1k sl, valero gas 300 sl, ikea 550 sl, and big lots 750 sl.

some cards have a prequalification page, off the top of my head, discover, cap 1, amex, truist, and FNBO, to name a few.

Its best if you cool your heels right now and just manage the cards you have well and let that bunch of inqs age about a year or more.

You can check prequals without suffering a hard pull.

I have personally worked my way up via prequals but first i had to prove myself with baby limit cards.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 3 of 8
KingRue8500
Senior Contributor

Re: Massive app spree

Congrats on your approvals




Message 4 of 8
babygirl1256
Senior Contributor

Re: Massive app spree

Congrats on your Walmart and Shell gas approvals!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 5 of 8
NalekSok
Regular Contributor

Re: Massive app spree

Congratulations on your approvals! 🎉






Message 6 of 8
Pway
Valued Contributor

Re: Massive app spree

Congrats on the approvals you did get. However, can you share what your scores are. 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 7 of 8
CreditAggie
Community Leader
Super Contributor

Re: Massive app spree

Congratulations on your approvals! I would take the long list of denials as a sign to garden for a long while. 

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 8
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