20 cards in 9 months.... What I learned....

Larsim · ‎10-01-2019

Earlier this year I posted about my app spree and how I was using my wife's credit profile and how I was alternating - I would apply for one card under her name, add me as an AU, then apply for another card from a different issuer under my name, then add her as AU and so on.

Well, 20 cards later (16 personal and 4 business) I think I am finally done . Not showing on this list yet is the Amex Cash Magnet (approved yesterday) and the Apple Card (approved in August but not reporting yet).

I must say this would NOT have been possible without the knowledge I gained from this forum. So as a way of giving back here is what I learned and things I would have done differently if I could go back in time.

Favorite cards:

- Savor

- Venture

- Amex BCP

- US Bank Cash+

- Propel

- Citi DC

- BBVA Compass

- Discover IT Miles

- Chase Ink Preferred

- Freedom

Cards I did not get but wish I would have gotten/applied for first/cannot qualify for now:

- BOA Cash Rewards

- Chase Amazon

- ABOC Platinum Rewards

- PNC Rewards

Started this spree party with scores in the 770s, this where they stand now so all in all not bad:

So now I seriously need to lock myself in the garden and throw the key away.....

FireMedic1 · ‎10-01-2019

I'd say your set til 2025......... J/K

BK Free Aug25

ToxikPH · ‎10-01-2019

I'm seriously surprised by some of these approvals but I bet the majority of it falls down to AAoA. That 10.5 year card is holding your file up very high.

Anonymous · ‎10-01-2019

@Larsim wrote:
Earlier this year I posted about my app spree and how I was using my wife's credit profile and how I was alternating - I would apply for one card under her name, add me as an AU, then apply for another card from a different issuer under my name, then add her as AU and so on.

Well, 20 cards later (16 personal and 4 business) I think I am finally done . Not showing on this list yet is the Amex Cash Magnet (approved yesterday) and the Apple Card (approved in August but not reporting yet).

I must say this would NOT have been possible without the knowledge I gained from this forum. So as a way of giving back here is what I learned and things I would have done differently if I could go back in time.

Favorite cards:
- Savor
- Venture
- Amex BCP
- US Bank Cash+
- Propel
- Citi DC
- BBVA Compass
- Discover IT Miles
- Chase Ink Preferred
- Freedom

Cards I did not get but wish I would have gotten/applied for first/cannot qualify for now:
- BOA Cash Rewards
- Chase Amazon
- ABOC Platinum Rewards
- PNC Rewards

Started this spree party with scores in the 770s, this where they stand now so all in all not bad:

So now I seriously need to lock myself in the garden and throw the key away.....

At some point, I'd get rid of some of those cards, now that you have some better cards on there. For instance, Merrick bank. Its like having a DUI on your resume lol.

Anonymous · ‎10-01-2019

@Anonymous wrote:
At some point, I'd get rid of some of those cards, now that you have some better cards on there. For instance, Merrick bank. Its like having a DUI on your resume lol.

Based on the young age of the vast majority of the OPs accounts, I'd keep Merrick bank open just because it's his second oldest revolver.

Anonymous · ‎10-01-2019

@Anonymous wrote:
@Anonymous wrote:
At some point, I'd get rid of some of those cards, now that you have some better cards on there. For instance, Merrick bank. Its like having a DUI on your resume lol.
Based on the young age of the vast majority of the OPs accounts, I'd keep Merrick bank open just because it's his second oldest revolver.

It will stay on the report for 10 years. By the time its removed, he may have another card with a 10 year history that's still active. It's a red headed step child on a report. I'd keep it for a while longer.

Anonymous · ‎10-01-2019

Wow, 20 cards in 9 months!? That must have really destroyed your AAoA. lol

That's 2 cards per month, even I don't have that much courage. Also must be nice not having to keep 5/24 in mind.

Larsim · ‎10-01-2019

Great points, didn't even think about the AAoA. But here it goes:

Larsim · ‎10-01-2019

Let me also add a list of issuers that declined either me of my wife:

- PNC

- BOA

- HSBC

- Suntrust

And that's about it if I recall correctly. Once again getting the information from this forum and stratregizing properly no doubt kept the declinations to a minimum.

Anonymous · ‎10-01-2019

Insanely impressive!! Lol congrats on all the success