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Mini App Spree *Update - WF Approval

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AlanGJP
Established Contributor

Mini App Spree *Update - WF Approval

Just bought a car a few days ago and decided now is a good time too run a small app spree before gardening until we app for a home in 1-2 years.

 

Home Depot - Approved ($4k)

Amazon Store Card - Approved ($3.7k)

USAlliance - Denied (too many recent inq/accounts)

FNBO - Denied (too many new inq/accounts)

Wells Fargo Active Cash - Approved ($17k) *Originally a 5-7 day notice, missed the approval email sent to my other address

Gesa Credit Union - Approved ($15k)

 

 Regarding WF: I've been banking with them for more than 5 years. I have my personal and business checking/savings accounts there. Never gone negative and push a lot of money through them every month. (5 figures) I'm not surprised I was approved despite my large number of inquiries/new accounts. IMO that's what prompted the 5-7 day wait, on review I was approved. I add this because WF is known to be conservative and IMO had I not had history with them I would have been immediately denied given my profile (new accounts/inq) and I don't want to give the wrong impression to someone that WF has become relaxed with approvals. (My history and dollar amount definitely played to my advantage here)

 

That said, I was prepared to switch to Gesa  CU (and still might) for my checking as I may use them for loans in the future and building a relationship with them should work to my advantage.

 

Overall I'm pleased. Approved for 4 cards and an auto loan @ 2.7% in 3 days. Now to garden for 2 years - Chase, I'm coming for you! Then I'm thinning the herd, I've got way too many cards that overlap.

Personal Cards:
Business Cards:
Closed Cards:
Data Points:
Last Updated: 2023/11/09
Message 1 of 28
27 REPLIES 27
coreyb80
Super Contributor

Re: Mini App Spree (Multiple Approvals)

Congrats on the approval!

Message 2 of 28
gdale6
Moderator Emeritus

Re: Mini App Spree (Multiple Approvals)

Grats to your approvals & good luck on getting those others approved as well Smiley Happy

Message 3 of 28
CreditAggie
Community Leader
Super Contributor

Re: Mini App Spree (Multiple Approvals)

Congratulations on your approvals!

Current Cards (in order of approval):


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

Message 4 of 28
Elpadrino1
Valued Contributor

Re: Mini App Spree (Multiple Approvals)

Congratulations on your approvals!!

Message 5 of 28
Rudy1
Established Contributor

Re: Mini App Spree (Multiple Approvals)

Congrats on the approvals! Good luck on your FNBO pending app were you pre approved for the Evergreen online i'm assuming that's what you applied for.

>
Goal Cards:
Message 6 of 28
KingRue8500
Senior Contributor

Re: Mini App Spree (Multiple Approvals)

Congrats on your approvals




Message 7 of 28
regional_ryan
Valued Member

Re: Mini App Spree (Multiple Approvals)

Nice haul! Enjoy Smiley Happy

Message 8 of 28
SweetCreditObsession
Valued Contributor

Re: Mini App Spree (Multiple Approvals)

Congratulations on the approvals!



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 9 of 28
Taurus22
Valued Contributor

Re: Mini App Spree (Multiple Approvals)

Congrats on a nice run there! Smiley Happy  Let us know how the others turn out...

My Wallet
Sock Drawered

On Deck: Possibly Aven 3% Visa
Message 10 of 28
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