Hello All,
I filed BK 7 in 2007. For many reasons, I did not file for new credit in almost five years. In 2013, I file for capital one platinum with an AF of $29 with a CL of $500. Two months later I got an CLI of $250. Six months later, I got an CLI of $1,000. Bringing the CL to 1,750. Three months later, I was offered the journey card from capital one with a CL of $2,000 with no AF and 3 months no interest (they also have a credit monitoring system that they can track your credit score). Although the rates were high, I was excited to have credit again. The only thing I had was my mortgage. In 2014, I decided to be more proactive with my credit so I signed up for Quizzle.com, Credit.com, credit karma, and signed up for a credit monitoring service with USAA. In January 2014, my HVAC went out. I decided to get a loan with USAA. To my surprise, I was approved for $5,000. Which was the total cost of the replacement of the HVAC system. So I thought that if I can get a loan, then why not try for one of the credit cards with USAA, I got approved for the VISA and MASTERCARD rewards card in the amount of 16K and 15K respectively. Then I thought that I needed a store card, just to diversify my credit portfolio. I went with BESTBUY and got approved for $1,000.00. I tried to get a credit increase but they said "no". I didn't care, because I can work with the $1,000 for the time being. Then I heard great things about NFCU. I thought I try for one of their credit cards. I joined and applied for their credit card nrewards and got approved for $25K. WOW!!! Now I am going to garden for a few months maybe years. I thinking of not applying for anymore credit until my BK falls off. Now I have a total of 4 new inquiries on my report (TransUnion).
Troll
@Troll wrote:Hello All,
I filed BK 7 in 2007. For many reasons, I did not file for new credit in almost five years. In 2013, I file for capital one platinum with an AF of $29 with a CL of $500. Two months later I got an CLI of $250. Six months later, I got an CLI of $1,000. Bringing the CL to 1,750. Three months later, I was offered the journey card from capital one with a CL of $2,000 with no AF and 3 months no interest (they also have a credit monitoring system that they can track your credit score). Although the rates were high, I was excited to have credit again. The only thing I had was my mortgage. In 2014, I decided to be more proactive with my credit so I signed up for Quizzle.com, Credit.com, credit karma, and signed up for a credit monitoring service with USAA. In January 2014, my HVAC went out. I decided to get a loan with USAA. To my surprise, I was approved for $5,000. Which was the total cost of the replacement of the HVAC system. So I thought that if I can get a loan, then why not try for one of the credit cards with USAA, I got approved for the VISA and MASTERCARD rewards card in the amount of 16K and 15K respectively. Then I thought that I needed a store card, just to diversify my credit portfolio. I went with BESTBUY and got approved for $1,000.00. I tried to get a credit increase but they said "no". I didn't care, because I can work with the $1,000 for the time being. Then I heard great things about NFCU. I thought I try for one of their credit cards. I joined and applied for their credit card nrewards and got approved for $25K. WOW!!! Now I am going to garden for a few months maybe years. I thinking of not applying for anymore credit until my BK falls off. Now I have a total of 4 new inquiries on my report (TransUnion).
Troll
Congrats
on your approvals
Grats
Congrats! Welcome to the forum and thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
congrats
My Income is $85K. I will check other CB and check with the monitoring system through USAA. Thanks for the suggestion. I am not where I want to be but I am not where I use to be. I am going to garden for now and work to get CLI on my Capital One cards.
congrats!
