Re: Exciting surprise!

MJSeahawks · ‎03-26-2014

My 2 year anniversary for my discharged ch 7 bk was 5 days ago. I haven't used or applied for much credit since then except for my student loans, an auto loan I got from my CU a year ago and a visa I got from the same CU about 8 months ago with a $500 CL. I decided I want to get a mortgage in the next year or so and finally started cleaning up/rebuilding my credit. I disputed a few items on my CR that weren't reporting correctly and decided to take Credit One up on a pre-approved offer and put up with their ridiculous fees and interest rates. I was approved with a $500 limit and a $75 annual fee last month. I am really not interested in this card, but I figured it was a start to help me rebuild and I would use it sparingly to help me get something better in 6 months.....

Well tonight I got a little impatient and decided I didn't want to wait 6 months so I decided to waist a HP and go for the Capital One Quicksilver... I sat waiting while they processed my application fully expecting a 7-10 day message with something like too few accounts, past bk, etc etc and then Bam! Instant approval with $3,000 CL and it says CL will be auto increased after 5 statements. This is fantastic news! I really don't need another cc, or any cc really because I save well and am perfectly happy living credit free, but I'm very excited to finally have a tradeline with a decent CL. It will hopefully go a long ways in getting me approved for a prime card and raising my scores to help me secure a better mortgage!

Anyway, just thought I would share. Positive moments like this during the process of rebuilding are awesome!

Santi78342 · ‎03-26-2014

Congrats on your approval!

One7 · ‎03-26-2014

Very awesome! Congratulations

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////

asphaltcowboy · ‎03-26-2014

Congrats on your recent success,
best of luck to you going forward!

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

somotao · ‎03-27-2014

Congratulations....Your capital one card will grow with you.

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

coldnmn · ‎03-27-2014

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

Uppingmyscore · ‎03-27-2014

Congrats....Keep up the good work!!!

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Delta SkyMiles $10,000, Discover $14,000, Chase Freedom $23,500, Capital One $8,000, SAMS $10,000, and LOWES $10,000

alvon123 · ‎03-27-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

MsLadyRover · ‎03-27-2014

Congratulations OP!!

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

gdale6 · ‎03-27-2014

Grats on your approval

Exciting surprise!

Get your FICO® Score for free

Exciting surprise!