cancel
Showing results for 
Search instead for 
Did you mean: 

New User here with App spree and questions

tag
eddygee
Established Member

New User here with App spree and questions

Hi guys I've been lurking the past cpl of months and wanted to say this site really has good info. So enough of the small talk let me get to it.

I recently after receiving a alot of Pre-selcted offers for  Citi-Custom Cash, Citi Rewards+, BankAmeric Card, and Bank America Alaska Airlines decided to pull the trigger yesterday (Sept 1st)and have a App Spree after not applying for new credit cards since Apr 2019 and only doing CLI's on my Navy Fed LOC and getting bumps to my Discover it.

 

So here we go below :

-First app: Navy Fed Flagship Rewards 24-48hr message but APPROVED in a few hrs but only for 1k 17.49%  0-12% APR and BT (Smiley Sadat low limit and higher APR), I have a Navy Fed MoreRewards Amex from Nov 2018 got w/instant Approval for 15k 14.99%. Oh well plan on doing 91/3 on Dec 3rd.

 

-Second App: Applied for Blue Cash Preffered cold after visiting Amex Pre-Approval site and matching for all cards. Was Instantly Approved for Blue Cash Preferred w/$5k 23.99% var. immediately applied for CLI was declined told I could after 60 days. Will do a 3X CLI in 61/2

 

-Third app: Applied for Citi Rewards+ Was Instantly Approved for $4k 14.99% with 15,000 TYP on $1k spend 1st 3mnths 

 

- Fourth app: BoA Alaska Airlines Visa Signature $15k 23.99% $150 Flight Discount w/40,000 Bonus Miles will do a 90 day CLI not sure DataPoints CLI Process w/Visa Sig.

 

Also applied for a CLI on my Discover it and got a $500 increase to bump me up to $5200  will do a 91/3 CLI and will attempt a double dip if instantly approved by calling 800-347-4856. Overall not a bad spree went from Total $25.7k CL to $48.3k. My next application will be in Dec for the Capital One Venture Rewards. I was initially pre approved on the CapOne pre-approval site but after my spree when I went back to the link it said I was no longer pre-approved due to too many recent inquiries, so I'll bid my time. In a year will apply for a Amex Gold and hopefully the Chase Saffire Preferred.

 

$114k salary
-NFCU Visa Rewards Amex 15k
-BoA Alaska Visa Signature 15k
-NFCU LOC 5.5k
-Discover It 5.2k
-Amex BCP 5k
-Citi Rewards+ 4k
-NFCU Flagship Rewards Visa Signature $1k
-CapitalOne QS One $500 Total CL $48.3k(EXP/TU) $49.8k(EQ)

EXPERIAN- 735 10/21
EQUIFAX- 730 9/30/21
TU-719 9/30/21

Accounts Ever Late
EXP- 2
EQ- 3
TU- 3
INQUIRIES
EXP-3
EQ- 0
TU- 5
UTILIZATION
EXP- 9%
EQ- 9%
TU- 9%
Message 1 of 31
30 REPLIES 30
Ontherise2020
Frequent Contributor

Re: New User here with App spree and questions

Congrats on your App Spree Approvals! Definitely enjoy and let them grow.  Your heading said App Spree and questions......I may have missed the question? Btw, thank you for the Data Points! They help us in making more informed credit decisions.  

FICO Scores:
EX 715
TU 750
EQ 739
FICO 9 773
Message 2 of 31
Elpadrino1
Valued Contributor

Re: New User here with App spree and questions

Congratulations on your approvals!! 

Message 3 of 31
Anonymous
Not applicable

Re: New User here with App spree and questions

@eddygee 

 

Was the BCE your first AMEX card?

 

I ask because I just got that card last week, but really wanted the BCP to begin with.

 

So I'm really wanting to apply for the BCP, just interested in knowing if this is your first Amex or if you've established with them via another card? 

Message 4 of 31
CreditAggie
Community Leader
Super Contributor

Re: New User here with App spree and questions

Congratulations on your approvals and CLI!

Current Cards (in order of approval):

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

Message 5 of 31
gdale6
Moderator Emeritus

Re: New User here with App spree and questions

Grats to all your approvals and welcome to the board Smiley Happy

Message 6 of 31
eddygee
Established Member

Re: New User here with App spree and questions


@Ontherise2020 wrote:

Congrats on your App Spree Approvals! Definitely enjoy and let them grow.  Your heading said App Spree and questions......I may have missed the question? Btw, thank you for the Data Points! They help us in making more informed credit decisions.  


Ahh yes for got to add how should I go about my CLI and future application for the Venture Rewards? Should I go ahead with the CLI first or do the new app and the CLI?

$114k salary
-NFCU Visa Rewards Amex 15k
-BoA Alaska Visa Signature 15k
-NFCU LOC 5.5k
-Discover It 5.2k
-Amex BCP 5k
-Citi Rewards+ 4k
-NFCU Flagship Rewards Visa Signature $1k
-CapitalOne QS One $500 Total CL $48.3k(EXP/TU) $49.8k(EQ)

EXPERIAN- 735 10/21
EQUIFAX- 730 9/30/21
TU-719 9/30/21

Accounts Ever Late
EXP- 2
EQ- 3
TU- 3
INQUIRIES
EXP-3
EQ- 0
TU- 5
UTILIZATION
EXP- 9%
EQ- 9%
TU- 9%
Message 7 of 31
eddygee
Established Member

Re: New User here with App spree and questions


@Elpadrino1 wrote:

Congratulations on your approvals!! 


Thanks!

$114k salary
-NFCU Visa Rewards Amex 15k
-BoA Alaska Visa Signature 15k
-NFCU LOC 5.5k
-Discover It 5.2k
-Amex BCP 5k
-Citi Rewards+ 4k
-NFCU Flagship Rewards Visa Signature $1k
-CapitalOne QS One $500 Total CL $48.3k(EXP/TU) $49.8k(EQ)

EXPERIAN- 735 10/21
EQUIFAX- 730 9/30/21
TU-719 9/30/21

Accounts Ever Late
EXP- 2
EQ- 3
TU- 3
INQUIRIES
EXP-3
EQ- 0
TU- 5
UTILIZATION
EXP- 9%
EQ- 9%
TU- 9%
Message 8 of 31
eddygee
Established Member

Re: New User here with App spree and questions


@Anonymous wrote:

@eddygee 

 

Was the BCE your first AMEX card?

 

I ask because I just got that card last week, but really wanted the BCP to begin with.

 

So I'm really wanting to apply for the BCP, just interested in knowing if this is your first Amex or if you've established with them via another card? 


The only other Amex I've had was a branded one with Navy Federal my MoreRewards. This was my first card straight from Amex. Try going straight to the Amex pre-qualified link Amex Pre-Qualified  to see what you're pre-qualified for. That helped me with my choice of what to apply for. Was alot easier for me knowing what I was approved for.

$114k salary
-NFCU Visa Rewards Amex 15k
-BoA Alaska Visa Signature 15k
-NFCU LOC 5.5k
-Discover It 5.2k
-Amex BCP 5k
-Citi Rewards+ 4k
-NFCU Flagship Rewards Visa Signature $1k
-CapitalOne QS One $500 Total CL $48.3k(EXP/TU) $49.8k(EQ)

EXPERIAN- 735 10/21
EQUIFAX- 730 9/30/21
TU-719 9/30/21

Accounts Ever Late
EXP- 2
EQ- 3
TU- 3
INQUIRIES
EXP-3
EQ- 0
TU- 5
UTILIZATION
EXP- 9%
EQ- 9%
TU- 9%
Message 9 of 31
eddygee
Established Member

Re: New User here with App spree and questions


@gdale6 wrote:

Grats to all your approvals and welcome to the board Smiley Happy


Thanks appreciate it!

$114k salary
-NFCU Visa Rewards Amex 15k
-BoA Alaska Visa Signature 15k
-NFCU LOC 5.5k
-Discover It 5.2k
-Amex BCP 5k
-Citi Rewards+ 4k
-NFCU Flagship Rewards Visa Signature $1k
-CapitalOne QS One $500 Total CL $48.3k(EXP/TU) $49.8k(EQ)

EXPERIAN- 735 10/21
EQUIFAX- 730 9/30/21
TU-719 9/30/21

Accounts Ever Late
EXP- 2
EQ- 3
TU- 3
INQUIRIES
EXP-3
EQ- 0
TU- 5
UTILIZATION
EXP- 9%
EQ- 9%
TU- 9%
Message 10 of 31
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.