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8 Months Post BK D/C App Spree Approvals!!

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Bcunniff9
Regular Contributor

8 Months Post BK D/C App Spree Approvals!!

Applied today for a Town Fair Tire store card (Syncrony). I planned on making a moderately sizable purchase and chose to apply for the hell of it. Instant approval for $500. Not the limit I wanted but hopefully that grows to something larger soon. I figured I'd do a mini Syncrony spree and see if I could keep the party going. I applied for the Amazon Prime store card, which I've wanted for a long while now, and got an instant approval for $900. Again not the ideal SL, but I've had past Syncrony experiance (more on that in a moment) and I know it will grow quickly. To finish off my Syncrony spree I app'd for the Walmart store card and got an instant $400 SL. I'm beyond excited for getting back in Syncrony so all these limits are ok with me. I was discharged (BK7) 7/11/16 and I burned Syncrony BIG TIME to the tune of $13,000. That was between PayPal Credit and my Walmart card. So for them to give me a second chance is "yuge" for me and I'm grateful for it. So to everyone who is discouraged by denials, just keep on keepin on and good things will happen.
BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: 8 Months Post BK D/C App Spree Approvals!!

Nice approvals! I'm so glad they gave you another chance and I hope your limits grow nicely. I admit I'm a little jealous. I want an Amazon card and they won't approve me. Not sure what that bank has against my profile, I've never done business with them and they seem to give cards out to many people. 
Message 2 of 9
Bcunniff9
Regular Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

That was me for what seemed like years, but on a total hunch I app'd for the TFT card and then the Amazon card. I guess it's just the luck of the application. My scores actually dropped 10-15 pts across the board last week, so idk why I was approved now as opposed to last month🤔
BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 3 of 9
Creditaddict
Legendary Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

I'd call credit solutions now... the 900 amazon limit seems to be a threshold that a lot of times can instantly be increased.

Message 4 of 9
Bcunniff9
Regular Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

I will definitely give them a call in the morning. What should I ask for in terms of CL?

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 5 of 9
Creditaddict
Legendary Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

$10,000

Message 6 of 9
TXinandout
Frequent Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

Congratulations!!! Don't forget to post in the bk forum.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 7 of 9
Bcunniff9
Regular Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

Anyone have the #? I had it but lost it somehow lol

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 8 of 9
Bcunniff9
Regular Contributor

Re: 8 Months Post BK D/C App Spree Approvals!!

Called 877-379-8175 and was promptly declined😂. I'll wait a couple months and try again I guess. Just happy to be back in with Syncrony.

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 9 of 9
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