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6 Months - no apps (or drapps)

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Dustink
Valued Contributor

Re: 6 Months - no apps (or drapps)

Did you just avoid the forum for 6 month's? 

 

Didn't want apps on the brain?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 11 of 17
Duncanrr
Valued Contributor

Re: 6 Months - no apps (or drapps)

Cap1 and WF secured cards in June of 2012. Zync, Delta, Amazon, Freedom and Walmart 9/10/12, NFCU Nov of 2012, BCP and It January 2013; and finally Arrival March 2013.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 12 of 17
Duncanrr
Valued Contributor

Re: 6 Months - no apps (or drapps)

@Duskink. Pretty much plus ive had some personal issues and family medical issues that took priority. Fortunately, these things were made easier because of my newfound credit worthiness.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 13 of 17
09Lexie
Moderator Emerita

Re: 6 Months - no apps (or drapps)

Glad you are back and hope everyone and everything are doing well
Message 14 of 17
ezdoesit
Valued Contributor

Re: 6 Months - no apps (or drapps)


@Duncanrr wrote:
Its been one hell of a 15 month period. In order in which I got them (all successful apps - no denials since i started rebuild), 1. Cap1 secured, 2. WF secured, 3. AMEX Zync (NPSL), 4. AMEX Delta, 5. Walmart Discover, 6. Chase Amazon visa, 7. Chase Freedom, 8. NFCU Flagship Siggy, 9. AMEX BCP, 10. Discover It; and 11, Barclay Arrival WMC (AF version). Going on a streak of 11/11.

Can I ask other than the CSP why would you want anymore cards?  Your present collection is pretty impressive other than the secured cards.  You have the freedom so the freedom CSP combo is a must have.  Unless you are going for some of these cards for the sign up bonus.  I have two citi cards the WEMC and TYP and the rewards are nothing to write home.  With the cards you have you can raise those limits and have a sizeable credit lines.  WIthout affecting your AAOA and lowering your Util if necessary. 

Message 15 of 17
Dustink
Valued Contributor

Re: 6 Months - no apps (or drapps)

Welcome back, I just got back as well...

 

Took about a 6 month break to keep my reports clean.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 16 of 17
Duncanrr
Valued Contributor

Re: 6 Months - no apps (or drapps)


@ezdoesit wrote:

@Duncanrr wrote:
Its been one hell of a 15 month period. In order in which I got them (all successful apps - no denials since i started rebuild), 1. Cap1 secured, 2. WF secured, 3. AMEX Zync (NPSL), 4. AMEX Delta, 5. Walmart Discover, 6. Chase Amazon visa, 7. Chase Freedom, 8. NFCU Flagship Siggy, 9. AMEX BCP, 10. Discover It; and 11, Barclay Arrival WMC (AF version). Going on a streak of 11/11.

Can I ask other than the CSP why would you want anymore cards?  Your present collection is pretty impressive other than the secured cards.  You have the freedom so the freedom CSP combo is a must have.  Unless you are going for some of these cards for the sign up bonus.  I have two citi cards the WEMC and TYP and the rewards are nothing to write home.  With the cards you have you can raise those limits and have a sizeable credit lines.  WIthout affecting your AAOA and lowering your Util if necessary. 


1. CSP for obvious reasons as it works well with Freedom and will allow me to convert my points on Freedom to higher value points associated with CSP.
2. SPG - I do a good bit of travel for work and personal time. Im thinking of this or maybe the Citi HH card.  Reason I like the SPG is that I have my AMEX cards backdated to 1992.

3. Citi card for HH honors or co-branded airline card (depends on job situation and whether I need to adjust my normal airline carrier.

4. LOC/NFCU because of the insane limits and low APR.

 

My current AAoA is 10 years with some 38 accounts.  A couple cards will not do anything to hurt it and the AMEX cards actually helps it.  I'll be dropping the secured cards come June 2014.  My current limits are pretty good:  NFCU (25k),  BCP (8.4k), Discover (7.8k), Arrival (5k), Walmart (7.1k), Amazon (2.5k), Freedom (1.5k), Delta (6k), Cap1 (1.3k); and WF (800 Smiley Sad ).

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 17 of 17
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