Thank you everyone !!!
@william23 wrote:All,
Applied for the Arrival & Discover IT. For the Arrival I had to call to reconsider and after the credit analyst reviewed everything I got approved for $1500.00. As far as the Discover card I got the your application is pending message. I called them up and they advised that they weren't able to approve me for the original terms however, they approved me for $1100.00. (Did not get the 0%) I did get the 0% with Barclays.
Pretty excited today!!!
Scores 660 TU 650 EQ 640 EX
Congratulations on your approval! Thanks for sharing. 
Hi, credit utilization is below 30%. I have 7 inquiries. 2 baddies both 6 years old. One is a unpaid internet bill and one unpaid repo.. Oldest account opened 4 years ago no lates since then.
I did have a Barclays rewards already witth a 0 balance.
@william23 wrote:Hi, credit utilization is below 30%. I have 7 inquiries. 2 baddies both 6 years old. One is a unpaid internet bill and one unpaid repo.. Oldest account opened 4 years ago no lates since then.
I did have a Barclays rewards already witth a 0 balance.
I'm surprised Barclays approved you with unpaid baddies, they told me they couldnt' approve me until it was paid, interesting, very interesting, congrats anyways!
Congrats!!
I was approved for the Discover IT this past March after receiving a preapproval flyer in the mail. No 0% but a $1,800 limit. That was with 10 negative accounts with two active collections and a judgement on my CR. Yikes I know. My utilization was about 10% at the time with only three cards that I got in September of 2013 (jcrew, amazon store card & Capital 1 secured) I just applied this weekend for Capital One Platinum & was approved w/ 0% and a $1,000 limit with a current FICO of 637.
Going to garden them and raise my score as I pay off my two collections and remove some baddies.
congrats
