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New User here with App spree and questions

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eddygee
Established Member

Re: New User here with App spree and questions

@Anonymous 

 

This was my first non co branded AMEX, and if you were prequalified for all their cards like I was too, go for it. Let us know how it goes. I'm going to wait a bit to go for the Amex Gold(next year) as I want to establish a profile and relationship with them, with this being my first card with them. 


 

$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 21 of 31
KingRue8500
Senior Contributor

Re: New User here with App spree and questions

Congrats on your NFCU, AMEX, Citi approvals & Discover CLI




Message 22 of 31
Anonymous
Not applicable

Re: New User here with App spree and questions

@eddygee 

 

Yea I'm going to do the same until I have a BCP upgrade offer. 

Message 23 of 31
Anonymous
Not applicable

Re: New User here with App spree and questions

Congrats!

Message 24 of 31
Sub16610
Established Contributor

Re: New User here with App spree and questions

Congratulations on all your success. Thank you for your valuable input!

Message 25 of 31
Red1Blue
Super Contributor

Re: New User here with App spree and questions

Congrats

Message 26 of 31
SPChaser
Valued Contributor

Re: New User here with App spree and questions

Congrats on app spree success! 

“Play the game, but don't believe in it“
Message 27 of 31
Michizane
Regular Contributor

Re: New User here with App spree and questions

@eddygee  Congrats on all the approvals. But any reason why you want the Capital One Venture? You can find way better travel cards at the $95 annual fee rate, and Capital One hits all 3 bureaus on their inquiries. That and they can be very stingy with CLI's. The sign on bonuses can be cool, but it's a below average travel card.

 

And if you want a Chase card, you will need to be below 5 inquiries/accounts in 2 years for the best approval chance. Otherwise you will most likely be denied for too many inquiries. So if you are there, and really want the Chase...that should be your next card app followed by maybe the Amex. And the CSP is a better card than the Venture anyway. 

Message 28 of 31
eddygee
Established Member

Re: New User here with App spree and questions

I want to do a PC Upgrade from the Capital One Quick Silver One card I have now. Don't want the hard inquiry or new opened account ding. I will wait to see if Chase sends me anything as far as pre-approval offers. You're right on that I can always go with the Amex Gold last will save the last round in the chamber for the Chase Sapphire Preferred.

 

My 3 metal Cards will be the Cap One Venture Rewards/Chase Sapphire Preferred/Amex Gold and I'll be done for awhile just tilling the garden and score hopefully into the 800s.

$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 29 of 31
Trini88
Established Contributor

Re: New User here with App spree and questions

Congrats on your app spree! 

10/19 Quicksilver: $2K
3/21 Americard pc Customized Cash Rewards: $30K
6/21 Target RedCard: $700
6/21 Discover It: $8.5K
6/21 Victoria Secret: $6K
6/21 Savor: $2.3K
7/21 Walmat MC pc VentureOne: $4.1K
8/21 Amex BCP: $25K
11/21 Lowes Advantage: $35K
11/21 FNBO Evergreen: $25K
11/21 GS Apple Card: $4K
4/22 Chase Amazon Prime: $11.2K
7/22 Amex BCE: $8.4K
10/24 Amex Gold: Charge Card
Message 30 of 31
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