Credit Spree upcoming - UPDATES

[Creditaddict]

Here is my list below and probably the order I'm thinking currently:

While the refinancing at the bottom is VERY important, I don't see them being shy to inquiries or accounts, it's just a matter of my score not dropping too much before I hit them so I think maybe them after the Chase and LA Fed CU

Chase Business Line of Credit (hoping x 2)
Chase Personal Credit Card (either re-open closed account or new)

Alaska Airlines
Nordstrom Visa CLI - they watch EX right?
BBT Credit Card - still waiting for my EQ to come up and see if I populate any SP offers
Gold Business Charge
Delta Personal - (Pending currently actually)
LAFCU Car Loan
LAFCU Line of Credit
Golden1 Line of Credit - I have a credit card, Who do they pull?
Saks upgrade to MC
FireStone Capital Business Refi or Eastern Funding Refi x 2
Dexter Financial Purchase 

Lexus Visa

Sams MC

Lowes

[Remedios]

That's ummm....tall order.

If you get 1/5 accomplished, I'd call it a good day. While normally there is whole "it may work for some profiles" I just dont see it.
Some leaders may gave higher tolerance for credit seeking, increasing DTI, maybe even a mini spree, most widen up rather quickly.

I really hope it works out for you.

[Creditaddict]

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@Remedios wrote:
That's ummm....tall order.

If you get 1/5 accomplished, I'd call it a good day. While normally there is whole "it may work for some profiles" I just dont see it.
Some leaders may gave higher tolerance for credit seeking, increasing DTI, maybe even a mini spree, most widen up rather quickly.

I really hope it works out for you.

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You call that a lot?!

Half are not even new accounts and don't even pull credit. lol

[FinStar]

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@Creditaddict wrote:

Here is my list below and probably the order I'm thinking currently:

While the refinancing at the bottom is VERY important, I don't see them being shy to inquiries or accounts, it's just a matter of my score not dropping too much before I hit them so I think maybe them after the Chase and LA Fed CU

Chase Business Line of Credit (hoping x 2)
Chase Personal Credit Card (either re-open closed account or new)

Alaska Airlines
Nordstrom Visa CLI - they watch EX right?
BBT Credit Card - still waiting for my EQ to come up and see if I populate any SP offers
Gold Business Charge
Delta Personal - (Pending currently actually)
LAFCU Car Loan
LAFCU Line of Credit
Golden1 Line of Credit - I have a credit card, Who do they pull?
Saks upgrade to MC
FireStone Capital Business Refi or Eastern Funding Refi x 2
Dexter Financial Purchase 

Lexus Visa

Sams MC

Lowes

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You can definitely give the good ole @Creditaddict try, but by and large, I can't see how the majority of the new accounts would materialize to be honest unless you can pull some magic.

For Chase, are you pledging any collateral for the BLOC and what kind of CL are you looking for?  Is it going to be for specific draws or a standard working capital LOC?

How do you plan to reopen a closed Chase CC?  Typically, once closed even through any type of internal arrangement, IIRC you'd have to apply again, but that's something you'll need to discuss with the portfolio lending team.

Alaska Airlines, doable if you haven't opened too many accounts or had several EX inquiries in the past 6-12 months.

For the Saks upgrade - you'd need to to contact their credit department for eligibility... I believe it's SP.

Lexus is Comenity... didn't they shut down your entire CCs a while back?

Good luck with Sam's MC.  I realize you've had some...challenges... in getting the biz version, so hopefully the personal one bears some fruit, and fingers crossed you don't get stuck with the store version. 

IMO, of the two SYNCB cards, choose the one that's more priority for you. 

And touching on what @Remedios mentioned upthread, today's app sprees (i.e. new accounts) aren't like they used to be a few years ago.  Best of luck either way 😁

[Creditaddict]

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@FinStar wrote:

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@Creditaddict wrote:

Here is my list below and probably the order I'm thinking currently:

While the refinancing at the bottom is VERY important, I don't see them being shy to inquiries or accounts, it's just a matter of my score not dropping too much before I hit them so I think maybe them after the Chase and LA Fed CU

Chase Business Line of Credit (hoping x 2)
Chase Personal Credit Card (either re-open closed account or new)

Alaska Airlines
Nordstrom Visa CLI - they watch EX right?
BBT Credit Card - still waiting for my EQ to come up and see if I populate any SP offers
Gold Business Charge
Delta Personal - (Pending currently actually)
LAFCU Car Loan
LAFCU Line of Credit
Golden1 Line of Credit - I have a credit card, Who do they pull?
Saks upgrade to MC
FireStone Capital Business Refi or Eastern Funding Refi x 2
Dexter Financial Purchase 

Lexus Visa

Sams MC

Lowes

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You can definitely give the good ole @Creditaddict try, but by and large, I can't see how the majority of the new accounts would materialize to be honest unless you can pull some magic.

For Chase, are you pledging any collateral for the BLOC and what kind of CL are you looking for?  Is it going to be for specific draws or a standard working capital LOC? Hopefully Cloc and using my CPC status to push

How do you plan to reopen a closed Chase CC?  Typically, once closed even through any type of internal arrangement, IIRC you'd have to apply again, but that's something you'll need to discuss with the portfolio lending team. Was actually my CPC that said it was possilbe since they were closed during hardship program and fully satisfied, not closed by me or delinquency

Alaska Airlines, doable if you haven't opened too many accounts or had several EX inquiries in the past 6-12 months.

For the Saks upgrade - you'd need to to contact their credit department for eligibility... I believe it's SP.

Lexus is Comenity, didn't they shut down your entire CCs a while back?

Yes, they closed a large number of my accounts but i heald 2 or 3 and in last 3 months CLI have been coming back too so I think they only reacted to my score in the past... never lates or delinquencies with them.

Good luck with Sam's MC.  I realize you've had some...challenge... in getting the biz version, so hopefully the personal one bears some fruit, and fingers crossed you don't get stuck with the store version. RIGHT!

IMO, of the two SYNCB cards, choose the one that's more priority for you. 

And touching on what @Remedios mentioned upthread, today's app sprees (i.e. new accounts) aren't like they used to be a few years ago.  Best of luck either way 😁

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[Anonymous]

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@Creditaddict wrote:

Here is my list below and probably the order I'm thinking currently:

While the refinancing at the bottom is VERY important, I don't see them being shy to inquiries or accounts, it's just a matter of my score not dropping too much before I hit them so I think maybe them after the Chase and LA Fed CU

Chase Business Line of Credit (hoping x 2)
Chase Personal Credit Card (either re-open closed account or new)

Alaska Airlines
Nordstrom Visa CLI - they watch EX right?
BBT Credit Card - still waiting for my EQ to come up and see if I populate any SP offers
Gold Business Charge
Delta Personal - (Pending currently actually)
LAFCU Car Loan
LAFCU Line of Credit
Golden1 Line of Credit - I have a credit card, Who do they pull?
Saks upgrade to MC
FireStone Capital Business Refi or Eastern Funding Refi x 2
Dexter Financial Purchase 

Lexus Visa

Sams MC

Lowes

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People can debate where a fine line might be between prudent credit seeking and excessive credit seeking behavior but by any definition this would be way beyond any line.

Even if you could reference a data point where someone successfully did something similar in 2015, it is no longer 2015.

[LittleSal]

I love a good new year Mega Spree!!! 🥂

[MacCreed]

Nothing beats a good app spreeeeee!  

[Anonymous]

GL!

[wasCB14]

Keep in mind Chase has shut down some customers shortly after approval for subsequent aggressive credit seeking. Not sure if a green check/black star/whatever works to avoid that risk.