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New info! Mini Spree 4/4

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Valued Contributor

New info! Mini Spree 4/4

I decided to pull the trigger two weeks earlier than I planned. Everything seemed right on my report.

First I requested a CLI on my Sapphire card. Approved for an increase of $2,000

Second I applied for the United Club card. First year free offer. I entered all my info hit submit...waited...waited...waited... it said thank you for the info and got an email with a 30 day message. Figured I got denied but called in... APPROVED!! $15,000 SL and 17.74% APR

I figured let’s give it a shot. I’m about 1.5 weeks early but let’s give it a try. Logged on to My Amex every day account and asked for 3x limit. I was at $8,000 so I was asking for a total of $24,000. The countered with $14,800 instant!

Now I’m going to close my Cap 1 card and maybe another one or two.

I requested a CLI on my BBY card. Instant $7,000 increase!

I may add 1 additional card if it fits my profile
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 8
7 REPLIES
Established Contributor

Re: Mini Spree 4/4

Congrats on your CLI and approval!


FICO 8 [03/2013]
FICO 8 [01/2016]
FICO 8 [11/2018]
GOAL: FICO 8: 760 across the board by 2/2020!
Message 2 of 8
Established Contributor

Re: Mini Spree 4/4


@afbar1114 wrote:
I decided to pull the trigger two weeks earlier than I planned. Everything seemed right on my report.

First I requested a CLI on my Sapphire card. Approved for an increase of $2,000

Second I applied for the United Club card. First year free offer. I entered all my info hit submit...waited...waited...waited... it said thank you for the info and got an email with a 30 day message. Figured I got denied but called in... APPROVED!! $15,000 SL and 17.74% APR

I figured let’s give it a shot. I’m about 1.5 weeks early but let’s give it a try. Logged on to My Amex every day account and asked for 3x limit. I was at $8,000 so I was asking for a total of $24,000. The countered with $14,800 instant!

Now I’m going to close my Cap 1 card and maybe another one or two.

I requested a CLI on my BBY card. Instant $7,000 increase!

I may add 1 additional card if it fits my profile

Congrats on the approvals!!!Smiley Very Happy




Message 3 of 8
Valued Contributor

Re: Mini Spree 4/4

Thanks! I’m shocked I also got an APR at the beginning of the range. Normally I’m st the higher end.
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 4 of 8
Valued Contributor

Re: Mini Spree 4/4

Congrats on approvals and CLI

7-2018 / Fico 8 EX 774 , EQ 781 , TR 785
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 8
Frequent Contributor

Re: Mini Spree 4/4

Congrats on the spree successes!
Current Fico 8 Scores:

Credit Goal:

Gardening until February 2019

Current Cards:


Wish List:


Message 6 of 8
Valued Contributor

Re: Mini Spree 4/4

Got my United card from UPS yesterday. The welcome kit is huge! Was reading through the terms and noticed my APR is 17.49%. The terms I read before applying states the APR starts at 17.74% how did I get a lower APR than what it says in the terms online?
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 7 of 8
Senior Contributor

Re: New info! Mini Spree 4/4

congrats on the approval. 





Message 8 of 8