Summer App Spree AMEX, CITI, NFCU, BOA Building Credit

Have been deployed since August of 2014. Soon returning. Used the time to rebuild and work on my credit. Got a car loan in April 2014 with M&T then refinanced through USAA for 4.00%. Applied for nRewards with NFCU in July 2014 and was approved for 3,000. Applied for LOC and got it to 15,000. Applied for Cap One QS 1 and Platinum 500 each, EO bumped up one to 1500. Now that i'm coming home and have (for the most part) not done much of anything credit related while I was gone (other than NFCU CLIs and Chase Slate for a balance transfer) i've come out the garden swinging. APPROVED 7/16BOA HRC Cash Rewards 3500AMEX BCE 2500AMEX PRG w/ 50,000 sign up bonusNFCU PC from nRewards to Flagship Visa Sig with 18,000 Credit LineDISCOVER IT CLI +500 PENDING 7/16 Citi Premier -- was originally denied, the EO is reviewing my application again and will get back to me by Monday. Provided me with direct line to call to give additional info or ask questionsNFCU Cash Rewards - just waiting on site to update my app I hope to close or consolidate my smaller limit cards and higher interest cards. I didn't intend to go on a spree prior to purchasing another car but eh, you live once. Will certainly garden after my car purchase so I can look forward towards a mortgage. And for those who are wondering, INQ - somewhere between 7-13 on each, AAofA 4 years, one paid collection, no unpaid collections, one 120 day late from 4 years ago, 3 30 day lates from two years ago to the day when I lost my civilian job - all on credit cards. My scores are from myfico. Oh by the way, when I got the slate in February I believe it was, I had more than 5 accounts in two years. Thanks to everyone for their help, i've been on this forum for over a year now I just never post anything.

Great Job. Try PenFed for your car loan. I've always found their rates far better then USAA or NFCU for auto but YMMV. Also, if you dont have an account with them, they do a HP for account openings and your pull is good for 30 days for any of their products. Goodluck on your car purchase and Congrats on the very sucessful app spree.

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Advice for Upcoming App Spree

Thanks for asking those questions; I knew I was bound to leave some information out. Unfortunately, I don't have verifiable income during the summer, but I did during the school year, and I will during this upcoming school year. The only reason I was denied for the Discover CLI was because my history was so short (didn't even have a FICO score yet). I always PIF. I didn't even think to include that because that just seems like it should go without question with the way I view credit haha. Anyway, yeah I always plan to PIF with any credit cards. As far as getting my other FICOs, is there any free way? Just the whole reason I'm into credit cards is to save money (rewards now and lower interest on loans in the future), so paying for anything credit related kind of contradicts why I do this stuff. I do plan to get a Citi Double Cash in the future, and then I'll have a monthly EQ FICO score as well. I have looked at all of the Capital One cards, but none of them are really rewards leaders. Because I'm mostly just interested in the very best cards for me and Capital One triple pulls, I'm not really interested in them. As far as the plausibility of getting these cards, I think that if I applied for only one of the them (except maybe the Fidelity), I would be approved because I've seen many thin, clean files approved for AmEx cards, seen people with only 6 months of credit history approved for the Freedom despite Chase saying that they like to see a year of history, and the Sallie Mae seems to be geared towards students or recent graduates, so it makes sense that thinner files get approved for the Sallie Mae card. Anyway, I could be totally wrong about any of this, but I think that I stand a decent chance for these cards on their own, but applying in the right order might be key to getting hopefully at least 3.

BalisongAddict wrote:
Thanks for the reply. Yeah, I'm definitely a bit worried about having a successful app spree and then Barclays closing my account because of too many recent accounts. I was under the impression that the charge cards are easier to get approved for than the revolvers, and the PRG is a charge card while the ED is a revolver. Either way, I don't really see the point of applying for cards just because I am more likely to get approved for them. I'm more interested in applying for cards because their rewards fit my spending habits. This same logic goes for why I don't intend to apply for a Capital One card. Also, as far as feasibility of my approval for these cards, here are a few relevant links so that we hopefully don't have to talk that much about that on this thread:Sallie Mae approval with 9 months history and a 642 TU FICOSallie Mae and Chase Freedom approval with 8 months history and a 707 TU FICOFidelity Amex approval with 9 months history, 7 months AAoA, 723 EQ FICO, and 741 TU FICOAmex ED approval with 6 months history and 696 EXAmex BCP approval with 6 months historyAmex PRG approval with 7 months historyAmex BCE approval with 9 months historyAmex BCE and Chase Freedom approval with 8 months historyChase Freedom approval with similar profileChase Freedom approval with short history No offense, but if you search enough for what you want to hear, you will find it... I know you are not opting for the charge cards, but it made me think, how many teens/young adults need a charge card...Which made me think further, it would be great because there is a less chance of accumulating cc debt! Something to think about. How much money do you spend a month that can be put on credit cards? What are your 1, 5, and 10 year credit goals? I did check credit pulls database (which is a gamble anyway) and the amex prg had lots of approvals even for scores lower than yours. Go for it. I really dont care for that salliemae card. #1 because it is with barclays. Plus, their rewards cap seems kind of low. But yeah, it would be a geat card for a student especially for bookstore/amazon and you can have the percent deposited into upromise or pay interest on student loans (as I am sure you already know!).
Anyway, did you check the chase approval site? I would apply for amex first. If you dont get approved, call in for a recon for a different product. I think you will be just fine with whichever card you select. I would apply for chase second. And Salliemae 3rd. Only because the first two have the most room to grow with you and therefor seem to be the priority to me. My reply doesnt have much advice, but hopefully it will bump it to the top so others will chime in!

Finally made the 800 club!! To app spree or not to app spree...

So I've been waiting for my NFCU payoff to post after my credit card debt was consolidated onto a low interest personal loan. I've been saving up the CreditCheckTotal $1 trial until I noticed the balance was paid so I didn't have to wait for myFico to update (yes, I'm that impatient, you have no idea). Well, 3 days after the statement posted, EQ and EX were finally updated, and I went ahead with the CCT trial and got this: This is a first! I was in the 400s in 2011/2012 when I started on the rebuilding section of the board, so this has been a journey for me. Never would I have imagined I'd been in the 800s, especially with my horrible credit past. Now the dillema, I've been waiting for this so I could app for a few cards I've been wanting, mainly the Slate for the 0% BT offer, and the CSP to pair with my Freedom for rewards and the Amex BCE. Also considering one of the Chase hotel cards.. but now that I have an 800+ score, I'm not sure I want to apply anymore and ruin this great score! Don't know what to do.. decisions, decisions! I've been itching to go on an app spree....

Thanks everyone! Redeyz wrote:
Wonderful achievement! This is somewhat of a lifechanging moment since you've crossed a threshold you probably thought impossible. I have a couple questions though.- How much CC debt did you consolidate through the low interest personal loan?- And what score decrease did you see from getting an installment loan versus the point increase from paying off the CC debt? Was it neutral or more positive paying off the CC balances? I'd say...hold off and let that beautiful score of 805 stick around for a month, and in the meantime evaluate which card or cards best fit your longterm objectives and then apply in a month. Congrats again.The CC consolidation was about 20k @ 6.41% through SoFi and hasn't posted to my credit report. So I'm sure I'll take a small hit when that happens. According to the simulators, which have been mostly accurate, I'll drop 5 points. I'm still waiting for TU to post all of this months credit card payoffs, but they seem to be taking forever so I'm not sure what my score with them will be, but they've been consistent with Experian, so I hope they also put me > 800. The simulators also show that a new CC will drop me to 770.. I wanted to BT a majority of my loan over to the Slate assuming I could get a high SL with them, but something in me just wants to deal with the interest I'm paying on the loan (~$450ish by the time it's paid off) and keep the high score lol. I got in with my Mortgage at 3.375% when I hit the 700s in 2012, So aside from paying off this last consolidation loan, I have no other short term credit goals so technically I have room to play and wouldn't mind getting a few more cards to stiffen my AAOA for years down the road.

First Ever "App Spree" 5/5 Approved!

Closed on my duplex property purchase 6/30. Last week I apped for a Home Depot card at the appliance desk and received $4500. Called for CLI, asked for $10k and received $10k. Yesterday, the payoff of my existing Capital One account reported, so today I proceeded with my first ever post home purchase app spree! $3300 - Citi Dividend Preferred - 21 months 0%$1000 - AmEx Blue Cash ED - 15 months 0%$3000 - Capital One VentureOne - 12 months 0%$5000 - Chase Marriott$12000 - SYNC/Lowes (initial line $2000, called for CLI, asked for $20k, received $12k) These lines will help keep my overall utilization low while I do some remodeling/upgrades to my newly acquired property. I was approved for all 5 of the cards I went after today. I couldn't really be more pleased. I was not pre approved for any of the cards I got today. I was only ever pre-approved for the Home Depot card. Let me know if you have any questions!

Way to go, AWESOME SAUCE!!!

When viewing the weather default app with multiple cities, how come there isn't a one click shortcut to go back to the first city?

When viewing the weather default app with multiple cities, how come there isn't a one click shortcut to go back to the first city?

3.2 you can make multiple clocks, each clock can have a different alarm.

If cloak some files in an App would uploaded or not in build.phonegap to build the App?

cloaked files not uploaded...
if cloak some files in an App would uploaded or not in build.phonegap to build the App?

i use dw cs6
http://tv.adobe.com/watch/building-mobile-apps-with-phonegap-build/introduction-to-phonega p-build-building-your-first-app/
why in this video skipps to talk about signing keys? ios, android, blackberry?
when required?
may skipped for paid apps? how get codes to setup for phonegap build?

Mobile App prototyping for import into Flash Builder 4

I'm a bit stuck.. I would like to create the graphics for a mobile app in something other than Flash builder. I tried Catalyst, but it won't import as a mobile project.. and now I'm trying Fireworks, but it will only export as an FXG file and I can't seem to import that into flashbuilder..
so what to do??
What can I use to quickly sketch something out and then attach the actionscript for a mobile app in Flash Builder..
Thanks
Todd

With Flex Builder 3 I used to import Web services directly from my file system, is that possible any more?
Thanks,
Philip

Is there another way of getting apps from the appstore without putting your credit card number in, ive heard about the itunes gift card thing can anybody just give me more info about that and how i can buy free things free things from the appstorepls help

Is there another way of getting apps from the appstore without putting your credit card number in, ive heard about the itunes gift card thing can anybody just give me more info about that and how i can buy free things free things from the appstore...pls help as im only a teenager and have no credit credit and my parents dont trust me with theres and they dont care about the fact that you can set up a password/.... PLEASE SOMEONE HELP I WILL BE SO GRATEFUL... And i would really like to get the iphone 4 but if there is no way of etting apps without your credit number then i would have to get a samsung galaxy s3 maybe ...

You can set up an Apple ID without a credit card.
Create iTunes Store account without credit card - Support - Apple - http://support.apple.com/kb/ht2534

How do I remove my credit card from my account and still download free apps. Bc that card is no more good anymore the App Store will not let me download any apps . I no longer have a credit or debit card.so PLS help

How do I remove my credit card from my account and still download free apps? because that card is no more good anymore the App Store will not let me download any apps . I no longer have a credit or debit card.so PLS help

On your iPad tap on your id in Settings > iTunes & App Store and tap on 'View Apple ID' on the popup and log into your account - that should give you a payments link on your account's page. Or on your computer's iTunes you should be able to edit your payment info by going into the Store > View Account menu option and logging into your account, and on your account's details page there should also be a payment link.
Changing payment info : Change or remove your payment information from your iTunes Store account (Apple ID)
If you don't get the 'none' option on the payment details screen : Why can’t I select None when I edit my Apple ID payment information?

My itouch will not let me download apps or music, it says something about credit, but the app im trying to download is free?

My itouch will not let me download apps or music, it says something about credit, but the app im trying to download is free?

Hi drathbun6,
If you are having issues connecting to the iTunes Store, you may find the troubleshooting steps outlined in the following article helpful:
Can't connect to the iTunes Store
http://support.apple.com/kb/TS1368
Regards,
- Brenden

I am unable to download free apps on my iphone, it ask for credit card info why is that needed if the app is free?

I am unable to download free apps on my iphone,it ask for credit info.When i try to download it's telling me (There is a billing problem with a previous purchase)So i went into my account.It's showing a purchase inside of pokerist.com which i never made.I have a outstanding balance of 33.00 which i do not have.I only use that card to activate my account, that's why the payment didn't go threw.I do not use that account.So please can someone fix my account so i can get my life back.PLEASE

If you have an existing ID, & you don't want to use a credit card, you'll have to redeem an iTunes gift card. If you don't want to do that, you'll have to create a new ID by following the directions here, EXACTLY:
http://support.apple.com/kb/ht2534

How can my daughter get apps on her new ipod without a credit card?

My daughter just got a new Ipod. She tried creating her own AppleID but it keeps asking for a credit card. How can she get apps without a credit card? Can I use my AppleID to get her apps without allowing her access to my credit card?

Create Apple ID with payment method None
Changing your payment information
Unable to select "None" when editing payment information

Is there a way to gift an app with the billing method as store credit

I want to gift 4 apps to my friend but i dont have a credit/debit card becuase im a kid. Is there a way to gift the apps when the billing method is store credit like a itunes giftcard?

No.
You CANNOT gift using your balance AT ALL.
No matter how you ask; you cannot gift with your balance.
You can use your balance for your own purchases only.

HT1977 When I try and download an app, I get a message "MZCommerce.CreditBalanceMismatch.Mobile_message". This is even for free apps, and I do have plenty of credit. Can anyone help please?

When I try and download an app, I get a message "MZCommerce.CreditBalanceMismatch.Mobile_message". This is even for free apps, and I do have plenty of credit. Can anyone help please?

With a standard account you need a valid payment method even for free apps.
From the message it sound like there is something wrong with your account or some of the information you entered in the account is not correct.. Verify that the information is correct and then if still problem contact iTunes.
Contact iTunes

At first I wanted to get an app in the App Store which is no need to buy it. I'm at Malaysia but the app is only for china. So I change it to china. But the china App Store didn't ask for the credit card thing. So I change the country....

Then I changed it to Malaysia but I can't because the App Store ask me to give the credit card number thing. But friend does that too. But the App Store didn't ask him for the credit card number when he changed back to Malaysia store. Please help me. I really need it. Thanks

Veronica ...
Reset the device then try the App Store.
Press and hold the Sleep/Wake button and the Home button together for at least ten seconds, until the Apple logo appears.
If that doesn't help, tap Settings > General > Reset > Reset All Settings
No data is lost due to a reset.
When you can, yes, there's an update available.
Tap Settings > General > Software Update

Summer App Spree AMEX, CITI, NFCU, BOA Building Credit

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