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Approved Barclays, Chase, Discover!

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dman23
Frequent Contributor
‎04-24-2014 04:34 PM
‎04-24-2014 04:34 PM

Approved Barclays, Chase, Discover!

Thanks for your advice Revelate. I will most definitely use the cards responsibly. They will be used strictly as a way to rebuild credit and improve my credit score. I went ahead and applied for 3 credit cards and went 3 for 3. I was approved for the Barclaycard Rewards Mastercard with a $1300 CL, Chase Freedom with a $2500 CL, and Discover it with an $1100 CL.

Thanks again.

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842
Message 1 of 17
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mt2va
Established Contributor
‎04-24-2014 04:47 PM
‎04-24-2014 04:47 PM

Re: Need advice, should I apply for more than 1 cc?

Great job and impressive on the cards you were approved for with no other CC.  As others mentioned just use them responsibly and wait at least a year before you app for any others.  But certainly take advantage of the rewards you can generate with them as well.

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
(7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)

Current (2016): EQ 605 (FICO)/TU 657 (FICO)/EX 646 (FICO)




Message 2 of 17
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dman23
Frequent Contributor
‎04-25-2014 07:56 AM
‎04-25-2014 07:56 AM

Re: Need advice, should I apply for more than 1 cc?

Thank you

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842
Message 3 of 17
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BigBS
Senior Contributor
‎04-25-2014 08:40 AM
‎04-25-2014 08:40 AM

Re: Need advice, should I apply for more than 1 cc?

Congrats on the approvals!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 17
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Kenny
Moderator Emeritus
‎04-25-2014 09:08 AM
‎04-25-2014 09:08 AM

Re: Need advice, should I apply for more than 1 cc?

I agree with all said. GREAT JOB, dman23! You picked very well! Smiley Happy
Take the myFICO Fitness Challenge
Message 5 of 17
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creditFiend
Established Contributor
‎04-25-2014 11:00 AM
‎04-25-2014 11:00 AM

Re: Approved Barclays, Chase, Discover!

Congrats
Last app: 2/21/2016
Amex PRG (NPSL)| Amex Hilton Surpass ($17.6K)| Barclays Arrival WEM ($13K)| Barclays SM ($11K)| Capital One QS ($15K)
CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
Discover It ($4K)| Lowe's ($17K)| MSUFCU ($5K)| Nasa FCU ($20K)| Navy Cash Rewards ($20K)| Navy CLOC ($15K)
PenFed Thrifty ($500)| USAA Rate Advantage ($7K)
Message 6 of 17
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MsLadyRover
Valued Contributor
‎04-25-2014 11:18 AM
‎04-25-2014 11:18 AM

Re: Approved Barclays, Chase, Discover!

Congrats x3!


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
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coldnmn
Mega Contributor
‎04-25-2014 11:19 AM
‎04-25-2014 11:19 AM

Re: Approved Barclays, Chase, Discover!

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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alvon123
Super Contributor
‎04-25-2014 11:45 AM
‎04-25-2014 11:45 AM

Re: Approved Barclays, Chase, Discover!

congrats


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chalupaman
Super Contributor
‎04-25-2014 11:49 AM
‎04-25-2014 11:49 AM

Re: Approved Barclays, Chase, Discover!

Congratulations!

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
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