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Small App spree

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Regular Contributor

Small App spree

Scores recently just hit mid 600's so I figured I would apply for a couple things I will get use out of, and allow me to get rid of a few smaller limit cards that I no longer need for rebuild anymore.

 

Applied and was approved for Kohls store card ($300 CL), Macy's Store card ($400 CL) and Amazon Store card ($2,400 CL). I know 2 of those 3 will grow quickly and Kohls will probably be the one to not budge in the future.

 

Applied and was denied for Best Buy. They were IIB back in 2016, so I was surprised to see an approval for the Macy's Store card. I'm currently an AU on an AMEX Macy's card, so maybe that helped?

 

This will allow me to cancel an Indigo, Credit One and a bucketed CapOne. They served their purpose but now its time to move on.

 

FICO 8 at times of pull were: 662 EQ, 656 for both TU and EX. Unsure of the version, but will update these DP's once the cards arrive.

 

Kohls and Amazon pulled TU, while Macy's and Best Buy pulled EX.

Message 1 of 16
15 REPLIES 15
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Established Contributor

Re: Small App spree

@heyitsthatguy91  Super Congrats on your app spree!!! Smiley Very Happy

Message 2 of 16
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Valued Contributor

Re: Small App spree

Congratulations!

Message 3 of 16
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Valued Contributor

Re: Small App spree

First off, CONGRATS!

 

Second, other than the bottom-feeder cards, why cancel the Cap1?  Its a major card from a major issuer, and you obviously have some history with it... Maybe just sock-drawer it instead?  Yeah, its bucketed, but it won't HURT you... if you've had it over a year, consider holding on to it... the crappy bottom feeding cards like Credit 1 - yeah, to the left.  

  

  
  



RECORD HOLDER
& KEEPER OF
THE GOLDEN SWORD!

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EQ FICO RESILIENCE INDEX
06-29-2020

Dogbert

76

3

64

04-03-2020

Message 4 of 16
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Moderator

Re: Small App spree

Grats to all your approvals and yes if they included AUs in their cals the Amex AU did most likely help.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 5 of 16
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Super Contributor

Re: Small App spree

Congratulations on your approvals!
Message 6 of 16
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Established Contributor

Re: Small App spree

Congrats!





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Message 7 of 16
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Mega Contributor

Re: Small App spree

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 8 of 16
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Contributor

Re: Small App spree

Congratulations!!

Jan 2020 (Fico8) TU 658, EX 642, EQ 628
June 2020 (Fico 8)TU 745, EX 728, EQ 719

Venture One Citi DC. Discover It. NFCU cashrewards NFCU Flagship. 31.6K TL **All cards opened between Jan-June 2020**
“It’s not about how fast, but how well”.
Message 9 of 16
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Established Contributor

Re: Small App spree

Congratulations on your approvals!



Current FICO 8:

Credit Age (TU):

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