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New Member
dellacent
Posts: 1
Registered: ‎12-03-2013

Chase Sapphire Preferred and Discover Approval

I was an idiot 6.5 years ago (18 years old) and ran my credit down from 750 to 610.  Now I have slowly been building my credit back up.  I got a Capital One card 2 years ago with a $300 limit.  Then I got another Capital One card with a $300 limit.  I wasn't paying those in full every month, but other than 2 months I was able to pay on time.

 

With all of this being said, about 6 months ago, I started reading the forums and realizing how important it is to get my credit score up.  I applied for a Barclaycard Rewards card and got a $500 limit about 45 days ago.  Then I saw a deal with the Discover IT a week ago so I thought I should risk the HP and see what happens.  Well with a 640 Fico score, I got a $2600 limit.  I was pretty happy with that, but then I saw a deal for a 55K Point bonus on a CSP card when you spend $3000 in 3 months yesterday.  Well I tried to resist, but I broke down and applied today.  Well guess what?  I got a $5,000 limit!

 

My main goal is to get my score around a 750.  I know this will not be easy, but I think when the remaining 25K out of the 80K I owe is paid off, my score will improve quite a bit.

 

I have always been very "stupid" when it came to knowing about my credit score and monitoring it, but this forum alone has changed that.  I want to thank everyone on the forum for being so positive and helpful.  This has opened my eyes and made raisiing my score almost a hobby :smileyhappy:

Community Leader
Valued Contributor
myjourney
Posts: 23,485
Registered: ‎02-07-2013

Re: Chase Sapphire Preferred and Discover Approval

Welcome to the forum and congrats 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Contributor
Shinoga
Posts: 85
Registered: ‎06-04-2012

Re: Chase Sapphire Preferred and Discover Approval

congrats!


MY FICO = 650 CK=660 GOAL = 750 and my own house!..Back in the garden

Frequent Contributor
mnavas
Posts: 374
Registered: ‎02-04-2013

Re: Chase Sapphire Preferred and Discover Approval

Congrats on the approvals and the progress you have made fixing your credit :smileywink:

Frequent Contributor
eddie84
Posts: 429
Registered: ‎05-28-2013

Re: Chase Sapphire Preferred and Discover Approval

Yup, welcome & congrats!  Those are some nice cards to have indeed. :smileyhappy:

AmEx Green NPSL | Discover it $10.5k | BofA Travel Rewards Visa Sig $10k | Barclaycard Arrival WMC $6.7k | Chase Sapphire Preferred $5k | Citi Platinum Select AAdvantage WMC $5k | DFS $5k | BofA Privileges with Cash Rewards Visa $5k | Citi Diamond Preferred MC $4.7k | PayPal SC $4.5k | BofA Better Balance Rewards MC $4k | Chase Freedom Visa $4k | US Bank Visa Platinum $1.5k | AmEx Optima $500
Moderator
pizzadude
Posts: 8,114
Registered: ‎01-28-2010

Re: Chase Sapphire Preferred and Discover Approval

 

Moved to CC Apps.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Super Contributor
coldnmn
Posts: 7,674
Registered: ‎08-08-2011

Re: Chase Sapphire Preferred and Discover Approval

Congrats! Welcome to the forum and thanks for sharing.


My Wallet: Ace US Bank $6000 / Walmart Discover $6000 / US Bank Cash+ Signature $5500 / Discover IT $5000
/ Care Credit $5000 / PayPal SmartConnect $4000 / Sam's Discover $4000 / Cap1 Quicksilver $4000
/ Barclay Ring $3550
Last App 10/25/13 / Gardening to keep ahead of Wade to Diamond! ROFLOL!
Valued Contributor
alvon123
Posts: 3,294
Registered: ‎09-24-2013

Re: Chase Sapphire Preferred and Discover Approval

congrats

Mouse cursor over cards to see limits
New Visitor
moeproduce1979
Posts: 2
Registered: ‎03-18-2014

Re: Chase Sapphire Preferred and Discover Approval

Hi every one!!!! I have been reading your guys comments !! Now it's time to share my experience with you guys!

I have a credit Fico score of 716. But in love to add my chase saphire credit card.. I have been denied due to too many inquires only credit report. It's another way I could get approved!!! Any hints!!!
New Visitor
moeproduce1979
Posts: 2
Registered: ‎03-18-2014

Re: Chase Sapphire Preferred and Discover Approval

I meant too many credit inquires on my credit report!!! Sorry It's iPhone 5

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