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Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

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Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

They say when it rains it pours. A little over 3 months into my Credit rebuild I decided to check to see if I was pre-qualified for a Discover IT card today. To my surprise I was. Submitted the app and was approved for an eye opening $2400, a whopping 3 times more than my next highest CL. I was planning on opening up a Discover Secured card in about a month so I can have it graduate in a few months but now it seems I don't need to. Very happy with that, I decided to apply for a few other cards I had my eye on but wasn't planning to app for since I didn't think I'd get approved since I opened up 4 other CL's back in December. Lo and behold 4 more approvals! Along with the Discover card I ended up getting approved for an Amazon Prime Store Card at $600 SL, Target REDcard at $300, Paypal Cashback MC at $300, and a CapitalOne Platinum at $300. With the exception of the Discover card, those SL's might seem a bit paltry but I was shocked I was even approved to begin with. I also decided to try for a CLI on my CapOne QS1 I opened 4 months ago but so far haven't heard back from them. The one card I wasn't approved for was the Blispay Visa. Sucks that ended up being an unnecessary HP but overall a very productive day.

 

I think now's a good time for me to garden for a while. Keep those accounts pristine for a year and maybe go on another spree.

Bizz408's Credit Cleansing 2018
Starting Score: 568-570 12/2017
As of 10/2018: TU: FICO8: 685 (CK: 645) | EQ: FICO8: 674 (CK: 635) | EX: FICO8: 686 (Vantage 3.0: 625 (what?!))
Zero lates or Derogs!
2018 Goal: 700 reached 7/18, dropped since then but working to get it back.
Current TLs:


DCU Personal Loan $500 9/18: 2 of 6 payments complete.
AAoA: 13 months ; HPs: Way too many (21 on EX) ; Gardening until Sept 2019
Message 1 of 11
10 REPLIES 10
Community Leader
Senior Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Congrats Amazon prime CL will grow quickly.  Cap one will be the steps program.

EXP 753 TU 781 EQ 733
Message 2 of 11
Established Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Congrats! You need at least a 680 EX score for approval with Blispay.

Message 3 of 11
Community Leader
Super Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Nice job. Now is the time to take a step back . Thats alot of credit in short time but given some time off, your scores will rise as will your limits.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 11
Established Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Congrats on your approvals! I bet the approvals and the rush you feel when you click submit was awesome.

Have you thought about joining me and others in the garden? You have done the hard work, Time to let them grow.
***Gardening 3/29/2018 until 9/25/2018***

FICO 8 Scores: EQ~692 l TU~657 l EX~669
Message 5 of 11
Established Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

congrats





Message 6 of 11
Established Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Congrats OP!

 

yeah garden a bit and watch your scores grow. (might take a hit for a bit tho, no sweat)



[Penfed Platinum Rewards 10k][TD Ameritrade-2k][BOA Cash Rewards 22k][NFCU cashRewards 25k][TDcash 5k][IHG 14.2k][BOA 15.8k][Amazon Prime Store 10k][Amazon PrimeVS 500][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 19.5k][WalmartMC 10k][SearsMC 12.5k][Lowes 35k][Toyota 15k][Capital One 5250][BP 10k][Home Depot 24.2k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $35k][Chase Ink $45k][PNC $25k]
Message 7 of 11
Senior Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Congratulations! You give me hope in one day posting my progress. Keep up the good work!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 11
Established Member

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Thanks guys.

 

I was thinking about opening up a $200 Citibank Secured card in a couple of months for the purpose of getting my EQ FICO8 from them every month. Think that's a good idea? I already have TU and EX covered from a couple of my other cards.

Bizz408's Credit Cleansing 2018
Starting Score: 568-570 12/2017
As of 10/2018: TU: FICO8: 685 (CK: 645) | EQ: FICO8: 674 (CK: 635) | EX: FICO8: 686 (Vantage 3.0: 625 (what?!))
Zero lates or Derogs!
2018 Goal: 700 reached 7/18, dropped since then but working to get it back.
Current TLs:


DCU Personal Loan $500 9/18: 2 of 6 payments complete.
AAoA: 13 months ; HPs: Way too many (21 on EX) ; Gardening until Sept 2019
Message 9 of 11
Community Leader
Super Contributor

Re: Nice Little App Spree: 5 Approvals (yay!), 1 Decline (boo)

Citibank doesnt give Fico 8, i believe its a bankcard 8 or something. Wait until you can apply a unsecured Citi, youll feel much betterSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 10 of 11
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