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Woohoo, it's been a great few months. After being extremely stupid 2 years ago and having AMEX cancel my platinum card due to not paying...
Got a new job, salary falls firmly into the six figure range. Rather than buy a bunch of stupid things, I focused on some debt that I've been carrying and paying heavenly fees on.
I've gone from 88% utilization to now 8% utilization, all of which is on a 0% balance transfer promo (no fee as well!) for a year.
Platinum Card reinstated after paying the total balance owed. The tradeline was rehabilitated. 3500/mo PSL, up for review in a year. This caused a significant *jump in my FICO.
Citi auto CLI to 3500 on Simplicity.
Was approved for a PENFED Platinum Rewards, $5000.
Was approved for a USAA Unlimited Cash Back, $5000.
NFCU auto increased my CL to 18K after an AR.
I went into a branch today, applied, and was approved for a Chase Sapphire Reserve card with a 14K limit. I immediately product changed my Sapphire Preferred to a regular Freedom, and re-allocated the CL on it, moving 3500/5000 to the new Reserve card. This way I also know when I hit the quarterly $1500 max on the Freedom.
I'm not sure if going into the branch helped, but online it didn't show me any pre-approvals and in the branch, the banker said I had pre-approvals in the system for every card except the Reserve and that I would probably be approved since it seemed like Chase wanted more of my business. He said they no longer do pre-approvals on the Reserve. Approval was immediate. Prior to this I was running up to near my CL on the Preferred card and having to pay it off to keep using it.
So in the course of 4-5 months, things have gotten fantastically better. For anyone else out there that's rebuilding keep up hope, there's light at the end.
EQ: 711, EX: 715, TU: 725 (All FICO), all up from mid-high 500s
Various store cards that I'll let them close after non-usage.
1350 Barclay Apple <---- Will close soon, I've absolutely no use for this card or any Barclay offerings that I can see
3500 Citi Simplicity <----- No idea, can't seem to PC to another offering :/
4000 USAA Cash Rewards AMEX <---- No idea what to do with this account, may try to roll into Unlimited and then close
6000 USAA Rate Advantage <----- Another no idea, same as above
1500 Chase Freedom
5000 USAA Unlimited Cash Back
5000 PENFED Platinum Rewards
17500 Chase Sapphire Reserve
18000 NFCU Flagship Rewards
AMEX Platinum
Good work. I think getting the old Amex Platinum back is the best out of all of your successes; will help with AAoA down the road. Also congrats on the NFCU auto CLI...those are rare indeed.
Yeah, I'm just giving up on Citi. I'll let them either close the card from non-use or wait until they have an offering that's compelling.
In other news, I decided to go ahead and try for a BOA Alaska card as I prefer to fly them and the bonus+companion fare is just too good. They pulled EX, no hit to my FICO. After calling in to verify that it was me that had applied, I was approved for 17K. Woohoo!
I'm done for... a long while.
Nice few months indeed! Congrats!