At the beginning of last month, the only card I had was an Amason Chase Visa with a 500cl, with a 300 balance I was making minimum payments on. Towards the middle of last month, I had a dental operation that needed to be done ASAP, so I decided to finally respond to one of the pre-qualified offers I'm always getting, and that's when the mini spree begun-
Capital One Quicksilver- 3000 cl(transferred the balance from my chase card onto this)
After the emergency operation maxed out my insurance benefits for the year I decided to get some more work done to avoid future issues, so I went looking for a good no interest card, and last week was approved for-
Citi Simplicity- 2000(will likely be maxing this out as soon as I get it and taking advantage of the 18 months without interest...)
After this approval, I did some research and decided that now was as good a time as any to go on a little spree, I took out a car loan last year and still have 4 years left on that, and don't plan on purchasing a home in the near future. I was very interested in the SallieMae MC, as most of my spending outside of student/car loans is gas and groceries, so I decided to pull my TU score and found it was sitting at 770. I found it was only reporting the 0 balance on the Chases Visa(which also auto-cli'd to 1000 this month), and wasn't reflecting the Quicksilver or Simplicity, so decided it was time to go for it...
SallieMae MC- 2500 (will use for gas/groceries/Amazon and PIF each month)
DiscoverIT- ??? (Instantly approved online and got email confirmation but don't know the CL yet, mostly interested in ShopDiscover)
AmEx BCE- ??? (Same as Discover, instant approval online but unknown CL, will likely be attempting the 60+ day CLI if it's in line with my other cards)
A little suprised I wasn't rejected for any of them considering my income is a little under 30k, but I don't have any negatives and my student loans gave me a decent AAoA for someone my age. Now it's off to the garden until I get my Citi card paid off 
Nice read, Congrats! and thanks for sharing
Congrats! Welcome to the forum and thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Great run OP, grats on all the new cards
@Anonymous wrote:At the beginning of last month, the only card I had was an Amason Chase Visa with a 500cl, with a 300 balance I was making minimum payments on. Towards the middle of last month, I had a dental operation that needed to be done ASAP, so I decided to finally respond to one of the pre-qualified offers I'm always getting, and that's when the mini spree begun-
Capital One Quicksilver- 3000 cl(transferred the balance from my chase card onto this)
After the emergency operation maxed out my insurance benefits for the year I decided to get some more work done to avoid future issues, so I went looking for a good no interest card, and last week was approved for-
Citi Simplicity- 2000(will likely be maxing this out as soon as I get it and taking advantage of the 18 months without interest...)
After this approval, I did some research and decided that now was as good a time as any to go on a little spree, I took out a car loan last year and still have 4 years left on that, and don't plan on purchasing a home in the near future. I was very interested in the SallieMae MC, as most of my spending outside of student/car loans is gas and groceries, so I decided to pull my TU score and found it was sitting at 770. I found it was only reporting the 0 balance on the Chases Visa(which also auto-cli'd to 1000 this month), and wasn't reflecting the Quicksilver or Simplicity, so decided it was time to go for it...
SallieMae MC- 2500 (will use for gas/groceries/Amazon and PIF each month)
DiscoverIT- ??? (Instantly approved online and got email confirmation but don't know the CL yet, mostly interested in ShopDiscover)
AmEx BCE- ??? (Same as Discover, instant approval online but unknown CL, will likely be attempting the 60+ day CLI if it's in line with my other cards)
A little suprised I wasn't rejected for any of them considering my income is a little under 30k, but I don't have any negatives and my student loans gave me a decent AAoA for someone my age. Now it's off to the garden until I get my Citi card paid off
Congrats on your approvals
Congratulations on your approvals! Thanks for sharing.
@Anonymous wrote:At the beginning of last month, the only card I had was an Amason Chase Visa with a 500cl, with a 300 balance I was making minimum payments on. Towards the middle of last month, I had a dental operation that needed to be done ASAP, so I decided to finally respond to one of the pre-qualified offers I'm always getting, and that's when the mini spree begun-
Capital One Quicksilver- 3000 cl(transferred the balance from my chase card onto this)
After the emergency operation maxed out my insurance benefits for the year I decided to get some more work done to avoid future issues, so I went looking for a good no interest card, and last week was approved for-
Citi Simplicity- 2000(will likely be maxing this out as soon as I get it and taking advantage of the 18 months without interest...)
After this approval, I did some research and decided that now was as good a time as any to go on a little spree, I took out a car loan last year and still have 4 years left on that, and don't plan on purchasing a home in the near future. I was very interested in the SallieMae MC, as most of my spending outside of student/car loans is gas and groceries, so I decided to pull my TU score and found it was sitting at 770. I found it was only reporting the 0 balance on the Chases Visa(which also auto-cli'd to 1000 this month), and wasn't reflecting the Quicksilver or Simplicity, so decided it was time to go for it...
SallieMae MC- 2500 (will use for gas/groceries/Amazon and PIF each month)
DiscoverIT- ??? (Instantly approved online and got email confirmation but don't know the CL yet, mostly interested in ShopDiscover)
AmEx BCE- ??? (Same as Discover, instant approval online but unknown CL, will likely be attempting the 60+ day CLI if it's in line with my other cards)
A little suprised I wasn't rejected for any of them considering my income is a little under 30k, but I don't have any negatives and my student loans gave me a decent AAoA for someone my age. Now it's off to the garden until I get my Citi card paid off
congrats
0% APR offers are a life saver when you can get them. I got 4 recently and have used them to catch up on a lot of stuff around the house as well as much needed vehicle maintenance. I am definitely more happy now than I have ever been. And I will be responsible of course and pay them all down before it is even close to the end of the 0% APR. It's like a free loan as long as you are responsible enough to pay it down and make minimum payments of 2x-3x the minimum which is fair I think.
Congratulations on your approvals! Make sure you pay them all down!