@akula wrote:
@sillykitty1 wrote:
9/13 - $320
Today - $203,100
Well tell us about your app spree!!
Well, not as much a spree, just chasing rewards, bonuses, and high CL’s.
September of last year I had my last 2 real baddies, charge off’s, fall off. That left me a with 2 auto loans, 1 mortgage & one Cap1 cc w a $320 CL. My score was in the low 700’s. I have extensive reimbursable travel for work, so I started with cards with travel rewards
9/13
Chase Marriott - $6,000
Barclay Arrival + - $800 recon’d --> $5,000
Amex BCP - $2,000
Chase CSP - $5,000
Called Cap1 EO existing Cap1 Plat $320 --> $3,000
Once these cards reported, my score jumped to mid 700’s, so I wanted some util padding because of my travel expenses
11/13-12/13
OCCU - $15,000
PenFed - $13,000
Then my Delta Sky Club membership expired, so I decided to go with an Amex Plat instead of renewing. Amex’s also greatly help my AAOA by backdating to 1995 so I wanted to do the 1 cards 1 HP thing as well.
2/14
Amex Plat – NPSL
Amex Blue Sky - $10,000
4/14
Cap1 Plat to QS EO CLI $3,000 --> $10,000
Then I refi’d my house, and decided to go after a couple of sign up bonuses, and some rewards cards I wanted
6/14
Chase Freedom - $10,000 (moved $5,000 to CSP along w $1,000 from the Marriott)
Sallie Mae - $10,000
Cap1 Venture - $10,000
BCP 3x CLI $2,000 --> $6,000
Arrival auto CLI $5,000 --> $9,000
Then I got a good Delta Plat Amex offer
7/14
Delta Plat Amex - $3,100
PenFed preapproved CLI $13,000 --> $20,000
Then I was drawn in by the sp high CL’s from Nasa, so I made it a little spree of cards that were on my wish list
10/14
Nasa - $25,000
JCB - $4,000
US Bank Cash + - $6,000 recon’d --> $15,000
Fidelity Amex - $12,500
BOA BBR - $12,500
Consumer Credit Union IL - $20,000
Closed Arrival + moved CL to Sallie Mae making $19,000 total CL
To do:
Recon JCB CL when the card arrives
Have CLI requests into Cap1 EO on both cards
Close BCP at the end of the month move CL to Delta
Close Blue Sky next March move CL to Delta
I think what allowed me to amass so much credit so quickly was Amex backdating (4 cards back to 1995), that allowed my report to look falsely thick and inflated my CS. Also the mortgage TL’s are always commented on positively by UW’s. From my own experience, I believe higher CL’s beget higher CL’s at least somewhat, and high-ish income contributes to higher CL’s.
Starting Score: EQ 641, TU ???, EX ??? (myfico 6/7/13)
