This stuff can be addicting for real. I think I better stop by the MF shop and grab some garden utensilsImage may be NSFW.
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I actually had a serious ride throughout 2015 thanks to you all and doing pretty good so far in 2016.
This past weekend I inadvertently had a mini spree without no intentitions of doing so. It started Friday with my daughter and I checking Chase prequals and seeing she was eligible for the Freedim, Slate and CSP. Based on her lifestyle, she applied for the Freedom and was instantly approved for $4k@17.24, not bad for a new, thin profile. I had her add me as an AU to get the extra $25 in bonus. Caught up in the moment, I decided to apply for the Discover IT, mainly for the 5% gas catergory. I was going to wait until the end of the year before apping, but thought **bleep**. Boom 7-11 message...damn! I tried checking the status and their system was down. Now I'm feeling kinda down, so I apply for the PenFed 5% gas card and it goes to review pending. Okay enough of this and call it a night. So on Saturday morning I called Discover and spoke with a rep and after about 5 minutes of questioning, she said congratualtions, you've been approved. I'm thinking yes, then she says your credit limit is $1k, I'm thinking huh? Then I ask what the interest was and she said good question, she checks and comes back with 23.24%. **bleep**. Now I'm feeling kinda down and maybe feeling myself a little. Mainly because my last three approvals were: 10/15- PenFed Defender: $16k @10.99%, 12/15-Amex BCE: $10k instant bumped to $19k on activation @17.24, 1/16-Citi DC: instant @$2.8k @13.24. So the Discover offer isn't usable and doesn't appeal to me, that account is DOA.
I checked the PenFed app status and saw all the check marks were green including the decision. The only thing left was finalizing, as I looked, I saw other notes at the bottom of the page and click on it. PenFed was asking me if I was willing to move some of my Defender limit over to fund the visa card. Of course I can move some of the $16k which I hardly use over to a card that I will use alot more. So I moved $10k over and kept the Defender at $6k. The visa was then approved at $10k@13.24%. I'm happy with that.
Lastly, I have a pre approved from USAA for the 5%gas Amex which caps at $3k, but I'm waiting on my eligiblity to clear and after several tries, I apped Cap One for the Venture then as an after thought the Quicksilver. both instantly approved at $15K and $5k both @18.24% respectively. not the best APR but I was approved for the Quicksilver this time last year same amount at 22.99%. I usually PIF so no worries. So, I've acquired 4 new accounts 3 I will be keeping. Thank for listening and for buying Bartles and Jaymes, lol.
