Post closing app spree... mostly approvals couple in review

[brk1971]

Closed on my NFCU mortgage today, while waiting for the keys, I went on a pent up app spree...  some data points in this otherwise self-braggy seeming post.

(App) PenFed Personal Loan - $30k @ 7.49% (pulled Equifax) instant approval (this will payoff a recent Discover one that is 4.5% higher)

(App) PenFed Pathfinder - SL $15k @ 16.99% (pulled Equifax) instant approval

(App) PenFed PCR - under review (prolly pushed too hard)

(SP App) BB&T Bright - SL $10.5k (no HP at all)

(App) Discover 2nd card - $3k (may call them and cancel this)

(SP CLI) Discover 1st card $19k - $19.5k

(CLI) NFCU Plat $7500 - under review (asked for $4k to $11.5k, but have a $45k Flagship and another Plat with $24.3k so was hoping they would counter with the $3200 that would take me to their $80k max - will see what they say)

(SP CLI) Wells Fargo $6k -> $7.5k

some stats - Fico8 = EQ 784, TU 785, EX 767, 12 or 13 inquiries on each, most from 2 mortgage rate shopping sessions. Util = 7%

These approvals will put me in the > $300k club CL wise. 

[AllZero]

Congratulations on your approvals, CLIs and $300K TCL!

[M_Smart007]

Congratulations on your approvals!   ....

[CreditAggie]

Congratulations on your approvals!

[CreditAggie]

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@brk1971 wrote:

(App) Discover 2nd card - $3k (may call them and cancel this)

(SP CLI) Discover 1st card $19k - $19.5k

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Since you already took the HP, I would suggest keeping it and taking advantage of the Cashback Match. After having it for a year, you might be able to get a CLI.

[CreditMagic7]

Holy Bejeebus OP! You ran the gambit and those are all really good hauls. Congratulations to you!

[coreyb80]

Congrats on the approvals as well as the increases!

[brk1971]

Update 1: 

NFCU Plat CLI $7500 -> $10,700 approved (brings total CL to $80k)

Penfed PCR still pending review. 
Still haven't decided on the Discover, I'm reading reports they won't combine anymore, and reports they will. I have only ever used my Discover for BT at 0%, never for a charge, so the CB match is something I guess I'll look at - but it doesn't seem worth the effort as compared to hitting a boost threshold on my Delta Reserve. This is especially true with a SL of $3k, as that basically means I can use $300 of the line without having to recycle it. 

[BAD_UP]

Congrats on your Closing of your Home in addition to your Multiple Approvals & CLI's 🎉👍

[Credit4Growth]

🎊🎉.   Congratulations all around!  😊 

A new Mortgage, a little bit of PenFed Luv, a new BB&T CC, ...some more PenFed ♥ luv... (Yada, Yada 

Seinfeld) 👍