App & CLI Spree Results

Question

I love that I have a place where I can come onto and post about this   Ok, so I've made an overly excited thread already on a couple approvals I've got recently, but I decided to go for a couple more, one of them stupid (didn't think it through and had a couple beers when I apped), but the other ones fit within my strategy and I came out pretty good. 7/8 - Lowes CLI $2,500 -> $25,000 :: SP7/9 - NFCU CLI $17,500 -> $22,000 :: SP 7/23 - Chase CSP App -> $25,200 (actually asked me if I wanted a better CLI than my NFCU)  -- EX HP7/23 - Chase Slate App -> $10,500 -- Same HP as above so only 1 HP on EX for both cards. 7/23 - USAA Rate Advantage MC @ 10.9% -> $16,000 - Single HP on EQ^^Ok so this one I was a little buzzed and saw that it was a potentially low APR card (lowest APR 6.99) and figured since I was doing so well, even Cap1 Pre Quals had me at the lowest interest after my last CC balance paydown cleared and my UTI went to below 1%, but it didn't go so well. I got a good SL, but my interest rate was meh compared to other cards, definitely didn't need it since there are no bonus' or rewards with it.  7/24 - Barclay Ring -> $15,000 - Single HP on TU^^This one surprised me..  I thought I'd get $7,500 like others had got, but I called in from 7-10 day message, which happens to me almost every time because my mailing address is a PO BOX (no home mail service where I live) and that's what is on my report, not my physical address. I talked to the analyst, and he said he liked this and that on my report, so how about $15,000? I said OK!! Honestly I got this one because I saw someone else mention they were approved, and I noticed it was only 8% in the offer and was miffed at not getting below 10.9% on the USAA card  Between Chase and Barclaycard, I've come to the conclusion that a 7-10 day message is better than auto-approve when you have higher scores. Analysts tend to be more generous in starting limits when they manually review. I have every card I want in the short term. There are some cards I still want in the long term, like an Amex, although that need might go away now that Costco is moving to Visa, but Amex does have some nice perks that I wouldn't mind taking advantage of. But for the mean time, I'm planting myself in the garden for a long while so these TLs can grow some. My AAoA was 4.1, and will likely be mid to high 2's after these 4 cards post to my account (ugh!).  Again, I have the utmost gratitude for this forum. You guys are great and I love discussing credit stuff with y'all.   

Answer 1

Congrats! You did awesome. The Ring was one of my early cards I got this year after I started apping for cards after 2 decades. I was interested in that 8% also, however it's not a rewards card. I recently got the Sallie Mae and they allowed me to move my CL to Sallie Mae, and I'm keeping $1k in Ring, because I don't want to lose that low 8% APR just in case down the line and I believe they would move CL back to it if needed.