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Got my first pre approval today.....

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simi_go
Frequent Contributor
‎06-09-2014 10:54 PM
‎06-09-2014 10:54 PM

Got my first pre approval today.....

.......it was First Premier lol.  I am not even discharged, and I burned them.  I really want a nice new shiny card to start my rebuild but you couldn't make me take that card!

My wallet: Newest to oldest.





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TRC_WA
Senior Contributor
‎06-10-2014 04:57 AM
‎06-10-2014 04:57 AM

Re: Got my first pre approval today.....

Any card wouldn't be smart if you aren't discharged yet... Smiley Happy
FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
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somotao
Frequent Contributor
‎06-10-2014 04:57 PM
‎06-10-2014 04:57 PM

Re: Got my first pre approval today.....

+1. ....I'd wait till after discharge before applying for a credit card.
Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750
Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
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simi_go
Frequent Contributor
‎06-10-2014 09:44 PM
‎06-10-2014 09:44 PM

Re: Got my first pre approval today.....

@somotao wrote:
+1. ....I'd wait till after discharge before applying for a credit card.

Well of course.  I have absolutely no intention of applying for anything until July 2nd or whenever I have my discharge papers in hand, I was just being sarcastic about the whole thing with First Premier, I can't believe that they would send me a preapproval.  I charged off their account 6 years ago and now the account is in BK so I just thought it was funny.  And no matter how bad I want to start my rebuild it will never ever under ANY circumstance include First Premier.  Plus I am always the first guy on here to tell people not to apply until discharged, so I definatley gotta follow my own advice.

My wallet: Newest to oldest.





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