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BB&T Bright Approved

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12njoy
Super Contributor

Re: BB&T Bright Approved


@Credit-hoarder wrote:

Congrats 12. That's a pretty good limit right out the gate for BB&T. Do they still do 3 HPs on EQ for apps? I'm still a little skiddish about app'ing for one of their cards after they did that to me 4 years ago at the start of my rebuild.


Thanks credit-hoarder.  It was only 1 HP (each) on EQ for all 3 of my BB&T cards

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 11 of 27
12njoy
Super Contributor

Re: BB&T Bright Approved


@pipeguy wrote:

I've had this card for 3-4 years, $10k starting and $10k present (you can't do a CLI request online, have to go in a branch). My APR is 10.75 I think, started at 10% but through a series of fed rate increases its bumped up .25 x 3. It's a pretty basic (boring) card, nothing really stands out and their website is far from the best, even after the new 2017 redesign. 

 

Do I use the card? yes.  Is it my goto card? no. At my age and attention span, boring is good Smiley Wink

 

Congrats on the BB&T Bright - it's a good bank.  


Their not one to do cli's it appears

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 12 of 27
12njoy
Super Contributor

Re: BB&T Bright Approved


@Benzman wrote:

12, this is your second Bright card, correct? If I recall, your first one never budged from 2.5K?

I just got my first a month ago and was thinking of trying for another, hopefully high, as yours proved second time around..


This is my 2nd Bright card.  Their 1st still sits at 2k Smiley Sad

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 13 of 27
Benzman
Frequent Contributor

Re: BB&T Bright Approved

Thanks 12. Just tried for a 2nd, went pending.

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 9K | Citizens Cash 8K | Citizens Clear 2K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Voice 7,750K | Huntington Voice Rewards 8.7K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 5.5K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 4/23 EX789; TU781; EQ792.
Message 14 of 27
fltireguy
Valued Contributor

Re: BB&T Bright Approved

I apped Friday night for a Spectrum (already have a Bright).. it went pending, and just got an approval email! No mention of the SL or APR though... my Bright is 2k - it’s gotta be better than that! Single EQ pull btw
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 15 of 27
12njoy
Super Contributor

Re: BB&T Bright Approved

I just noticed that my new account didn't show up on my online account. I called them and they said they didn't have an application from me. I sure got an approval email from them. I have to go in to a branch and let them investigate. Either give up the account or take th he inquiry off. Will update once I go to branch
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 16 of 27
12njoy
Super Contributor

Re: BB&T Bright Approved


@fltireguy wrote:
I apped Friday night for a Spectrum (already have a Bright).. it went pending, and just got an approval email! No mention of the SL or APR though... my Bright is 2k - it’s gotta be better than that! Single EQ pull btw

Congrats.  My first BB%T card still sits at 2k.  Seems they won't do a cli on that card.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 17 of 27
12njoy
Super Contributor

Re: BB&T Bright Approved

I went in to a branch and the branch manager called the credit card division and they said the account showed up yesterday and was mailed yesterday and should appear on my profile tonight.  We'll see.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 18 of 27
12njoy
Super Contributor

Re: BB&T Bright Approved

Yeah, card showed online

 

 
Account Summary
Past Due Amount
$0.00
Account Status
Active
Last Activity Date
 
Cardholder Since
12/04/2017
Credit Limit
$6,500.00
Card Expiration Date
12/20
Cash Advance
Cash Advance Balance
$0.00
Cash Advance Limit
$1,300.00
Available for Advance
$0.00
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 19 of 27
woodyman100
Valued Contributor

Re: BB&T Bright Approved


@12njoy wrote:

Yeah, card showed online

 

 
Account Summary
Past Due Amount
$0.00
Account Status
Active
Last Activity Date
 
Cardholder Since
12/04/2017
Credit Limit
$6,500.00
Card Expiration Date
12/20
Cash Advance
Cash Advance Balance
$0.00
Cash Advance Limit
$1,300.00
Available for Advance
$0.00

Whew! That was a close one! Lol

NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill
Message 20 of 27
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