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App spree advice needed ASAP!

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grinlikechelsea
Established Contributor

Re: App spree advice needed ASAP!


@ras_34 wrote:

Now I am starting to get the sweaty palms and doubt....do I really need to get another card?  Let alone 3 more?  Please someone....talk me into it!


That's up for you to answer. We don't want to push you into something you aren't sure if you need. How about you take a day to think about it before you do anything? Smiley Happy

Message 11 of 21
ras_34
Established Member

Re: App spree advice needed ASAP!

Grinlinechelsea, I want your cards lol.  I am not afraid of going on a big app spree becasue I know I wont use them to do sensless shopping or anything like that.  I just want to build a great credit portfolio.  How did you build yours?

Message 12 of 21
grinlikechelsea
Established Contributor

Re: App spree advice needed ASAP!

Here is how I built my current profile:

  • January 2013 - Dad adds me as an AU on AmEx with a MSD of 1/1979, existing car loan through IMCU
  • February 2013 - Applied for Capital One Journey and BoA Secured - approved both $300
  • August 2013 - Applied for Chase Freedom - approved $4,000; unsecured BoA  with CLI to $9,000 (deposit history)
  • September 2013: App Spree: Amex BCP - approved  $6,000 (backdated), Discover it - approved ($3,000) PC Journey to Quicksilver Visa and CLI - approved; now $5,000
  • Ocotober 2013: PC to Fidelity AmEx after contacting EO - approved Huntington Voice WMC - approved $6,000
  • November 2013:  Amex CLI - declined $6,000, Citi Forward - declined
  • December: Barclays Sallie Mae WMC - approved $10,000
  • January 2014 - Southwest Rapid Rewards - approved $17,000 (closed), AU on Chase Ink Bold
  • February 2014- CLI on Amex - approved $18,000; CLI on all accounts - approved to limits currently; Merrill+ - approved; split Fidelity CL, Marriott Premier - approved $5,000 taken from Freedom
  • March 2014 - PC Quicksilver to Venture and CLI - approved $6,500; Chase CLD on Freedom
Message 13 of 21
lg8302ch
Senior Contributor

Re: App spree advice needed ASAP!


@grinlikechelsea wrote:

Here is how I built my current profile:

  • January 2013 - Dad adds me as an AU on AmEx with a MSD of 1/1979, existing car loan through IMCU
  • February 2013 - Applied for Capital One Journey and BoA Secured - approved both $300
  • August 2013 - Applied for Chase Freedom - approved $4,000; unsecured BoA  with CLI to $9,000 (deposit history)
  • September 2013: App Spree: Amex BCP - approved  $6,000 (backdated), Discover it - approved ($3,000) PC Journey to Quicksilver Visa and CLI - approved; now $5,000
  • Ocotober 2013: PC to Fidelity AmEx after contacting EO - approved Huntington Voice WMC - approved $6,000
  • November 2013:  Amex CLI - declined $6,000, Citi Forward - declined
  • December: Barclays Sallie Mae WMC - approved $10,000
  • January 2014 - Southwest Rapid Rewards - approved $17,000 (closed), AU on Chase Ink Bold
  • February 2014- CLI on Amex - approved $18,000; CLI on all accounts - approved to limits currently; Merrill+ - approved; split Fidelity CL, Marriott Premier - approved $5,000 taken from Freedom
  • March 2014 - PC Quicksilver to Venture and CLI - approved $6,500; Chase CLD on Freedom

Wow....and I thought I was crazy with what I  added in 2013...LOL

Message 14 of 21
grinlikechelsea
Established Contributor

Re: App spree advice needed ASAP!


@lg8302ch wrote:

@grinlikechelsea wrote:

Here is how I built my current profile:

  • January 2013 - Dad adds me as an AU on AmEx with a MSD of 1/1979, existing car loan through IMCU
  • February 2013 - Applied for Capital One Journey and BoA Secured - approved both $300
  • August 2013 - Applied for Chase Freedom - approved $4,000; unsecured BoA  with CLI to $9,000 (deposit history)
  • September 2013: App Spree: Amex BCP - approved  $6,000 (backdated), Discover it - approved ($3,000) PC Journey to Quicksilver Visa and CLI - approved; now $5,000
  • Ocotober 2013: PC to Fidelity AmEx after contacting EO - approved Huntington Voice WMC - approved $6,000
  • November 2013:  Amex CLI - declined $6,000, Citi Forward - declined
  • December: Barclays Sallie Mae WMC - approved $10,000
  • January 2014 - Southwest Rapid Rewards - approved $17,000 (closed), AU on Chase Ink Bold
  • February 2014- CLI on Amex - approved $18,000; CLI on all accounts - approved to limits currently; Merrill+ - approved; split Fidelity CL, Marriott Premier - approved $5,000 taken from Freedom
  • March 2014 - PC Quicksilver to Venture and CLI - approved $6,500; Chase CLD on Freedom

Wow....and I thought I was crazy with what I  added in 2013...LOL


I *may* have gotten a bit carried away. Smiley Wink

Message 15 of 21
Creditaddict
Legendary Contributor

Re: App spree advice needed ASAP!

you said you wanted grown up credit lines and better rewards... go for all 3, they are great cards.

Message 16 of 21
ras_34
Established Member

Re: App spree advice needed ASAP!

Do you think there is a chance I get declined?  I just get really nervous for these apps because I am nervous I will get approved for all 3 lines at 5k each....

Message 17 of 21
Rhaeny
Valued Contributor

Re: App spree advice needed ASAP!

There is ALWAYS a chance of denial so you might as well put that aside for now.

But what caught my eye is that you are nervous that you will get approved for $5k on each? What would make you nervous about that? Are you afraid that you will fully util those CL's? If so then it's not a good idea to app.

Now if you are going to app, just bang them off one by one as suggested previously. It's just you and your PC so any embarrassment is out of the question right? LOL!

Cap1 Quicksilver 20K | Chase Amazon Visa 10K | Citizens Bank MC 8K | Citibank MC 5.2K | Discover 5.5K | Home Depot 6K | Bank of America Visa 12K | Best Egg Visa 3.8K | Dell 3.5K |Ally MC 2.9K | Apple 4.5K | Merrick Visa 2.3K | Verizon Visa 250 | Amazon Store 1.8K



Fico Score 8: Equifax 725 | Transunion 742 | Experian 734
Message 18 of 21
TeamPunishment
New Contributor

Re: App spree advice needed ASAP!

The suspense is killing me whats the hold up?!?! Chelsea, if you dont mind. What's your Income/scores.......trying to see what ground I stand for increasing my Freedom!! Smiley Frustrated

AMEX BCE 7.8K | CHASE FREEDOM 6K | CSP 5K | DISCOVER IT 5K | BOFA PRIVILEGES 5K | CITI DIVIDEND 4.5K | CAPITAL ONE QS 4K | BARCLAY ARRIVAL 3K | AMEX EVERYDAY 2.2K | AMEX BC 2K |CAPITAL ONE QS 2K

+Multiple Other Cards
Message 19 of 21
Creditaddict
Legendary Contributor

Re: App spree advice needed ASAP!

Did you apply?

Message 20 of 21
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