04-09-2013 12:31 PM
04-09-2013 12:45 PM - edited 04-09-2013 12:50 PM
04-09-2013 02:03 PM
Thanks to my lovely peers on this forum - I have been kidnapped, tagged with ankle monitors, & am now officially checked into the garden. Let the seeding begin !
04-09-2013 02:05 PM
04-09-2013 02:06 PM
Congratulations on 10 straight approvals!
To be honest though, I think you should've gardened a few more years before applying because you didn't get more than $5,000 as CL on any of the new cards. From my experience, when you start with a high CL (with a solid credit history), issuers are more likely to give you much higher CL later on. If you don't mind me asking, what's the highest credit limit you have on one card right now?
I also went on a crazy spree recently; credit card app + credit limit increase spree! I'm trying not to spoil anything here so keep an eye out for my thread
The highest CL I have right now is $5,500 with CapitalOne. Ideally i wanted to wait but I was just too tempted ! Lol.
I'm only 22 anyways so by the time I'm in my 30's all of these CL's will hopefully grow over time & my AAoA should be around 10 years by then, . The most recent CC I got from my CU with the 6.75% APR should grow pretty fast as well. They wanted to give me a higher limit than the $2,000 they gave me but the inquiries kind of scared them. They thought I was in some financial trouble which is understandable. But no more hard pulls for me since I'm firmly planted in the garden !
04-09-2013 02:08 PM
Wow got the barclay's ring with only 30k income. Only reason I haven't applied to it is because I heard you need a good income and proof of it in order to get that card.
I heard that they want to see a decent-sized income (> $45,000) to be approved for it, but since I had almost three years perfect history with them with my Barclaycard Apple & a 750+ TU score, I was feeling lucky. Recon with Barclay was relatively easy, it felt like i was just applying for it again versus trying to convince them to approve me.
04-09-2013 04:30 PM
Beep, beep. I am here to escort you to the garden. Congrats on the approvals, btw.
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