Time to hit the Garden for a while

[daybreakgonesXe]

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@NJTurnpike wrote:

So i went on a little app spree in early February. Prior to the app spree I had a little less than $10k in credit lines total.

My scores just prior to the app spree were all around 710ish

Credit Card - DCU $7,500
Credit Card - Amex $3,100
Credit Card - Discover $7,500
Credit Card - Barclays DENIED
Credit Card - US Bank REI $6,000

Credit Card - Chase Freedom - initially approved $3k pending address verification, then denied again. Blah!

Store Card - Macys $1,500 CLI from $100
Store Card - JCPenny $800 CLI from $400
Store Card - Target $300
Store Card - J Crew $500 SP
Store Card - Amazon $1,700 
Store Card - Victoria Secret $750 SP
Store Card - Jareds $3,000
Store Card - Kays $3,000
Store Card - Walmart $2,000, initially approved for $300, Recon'd right away
Store Card - Sears DENIED Blah!

Total Revolving Limit $51,820

Being not too bright, I then decided to apply for an auto loan with my damaged scores.

Scores around the 680's now.

@Anonymous for auto loan for $22k ($1k down) for 60 months @ 3% Chase Lending, same clowns that denied my Freedom card two days prior!

Time to grow some vegetables and herbs.

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My gosh! So many cards! Congrats to you though on being approved on nearly all of them! And best of luck to managing them all successfully!

Also, your username begs me to ask the question...what exit? XD

[NJTurnpike]

Thanks. I wish your sister luck on her CLI attempt. Its not likely a HP.

You are going to be dangerous once you have some reason income to support your credit knowledge.

[BearsAndTurtlesRtheBest]

  thanks!

[NJTurnpike]

15X 

I have my "Master" spreadsheet which lays out verything I have to pay, how much interest is accumulating, etc for each pay period. its all mapped out through 2015 even with dates to request CLI's.

[daybreakgonesXe]

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@NJTurnpike wrote:

15X 

I have my "Master" spreadsheet which lays out verything I have to pay, how much interest is accumulating, etc for each pay period. its all mapped out through 2015 even with dates to request CLI's.

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Ahahaha awesome! My home area is 16W, but currently i'm 9.

And great organizational skills with those credit cards! Looks like you got everything under control!

[ObeyJohnny12]

Congrats on the approvals! 

[calihlove75]

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@NJTurnpike wrote:

So i went on a little app spree in early February. Prior to the app spree I had a little less than $10k in credit lines total.

My scores just prior to the app spree were all around 710ish

Credit Card - DCU $7,500
Credit Card - Amex $3,100
Credit Card - Discover $7,500
Credit Card - Barclays DENIED
Credit Card - US Bank REI $6,000

Credit Card - Chase Freedom - initially approved $3k pending address verification, then denied again. Blah!

Store Card - Macys $1,500 CLI from $100
Store Card - JCPenny $800 CLI from $400
Store Card - Target $300
Store Card - J Crew $500 SP
Store Card - Amazon $1,700 
Store Card - Victoria Secret $750 SP
Store Card - Jareds $3,000
Store Card - Kays $3,000
Store Card - Walmart $2,000, initially approved for $300, Recon'd right away
Store Card - Sears DENIED Blah!

Total Revolving Limit $51,820

Being not too bright, I then decided to apply for an auto loan with my damaged scores.

Scores around the 680's now.

@Anonymous for auto loan for $22k ($1k down) for 60 months @ 3% Chase Lending, same clowns that denied my Freedom card two days prior!

Time to grow some vegetables and herbs.

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Wow!! If that is a 'little' app spree, what would you consider a big app spree..lol

Congrats on the approvals and yes I think it is garden time in a big way

[dodfire]

Im with you....heading to the garden for a year.....I saw a 14 point drop on my EQ score after my little app spree:

Instant Approvals:

AMEX Green

AMEX Delta Gold Skymiles

Discover

USAA Platinum Cash Rewards

Barclay's CLI

Pending Approval 7-10 day letters on:

Citi Simplicity

Chase Freedom

[dddewdrop]

it kind of reminds me of that movie where that guy finds out he only has a week to live so he starts charging all kinds of stuff on credit cards. With all the cards you got you could certainly charge a lot. It seems like a huge amount of effort on what almost sounds like a whim. That is a lot of stuff to keep to keep track of all those accounts. Be careful. You have been given enough rope to hang yourself there.  Oh and I think on that list of new cards you mean "fiance" as opposed to "finance". 

[dodfire]

For me its about getting the cards while I can...early so they can grow with me...and while my AAoA is already low...let them all grow at the same rate. As for balances....I am 100% debt free!!