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Thank you to all my fellow myFico's...great app day!

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Sneekn4u
Contributor

Thank you to all my fellow myFico's...great app day!

Starting rebuilding about a year and a half ago and started with a 615 EQ..after 2 secured cards ($300&$400), a Cap1  credit steps ($500-$750)  a few store cards (Macy's, Buckle, VS, Brylane Home) I finally thought it was time to go prime last week so I followthe you guys advise and tried the Cap 1 EO email to get either a CLI or a better card like the QS "visa" so after the email and call back I was derailed from the CLI and swayed towards the QS card and said sure, heck who wouldn't. Anyways after waiting 3 days I notice I was upgraded to the Quick Silver card but it was the MC one with my same $750 limit Smiley Sad  So after advise from some great people on here I finally got the nerve to spread my winds and fly without the help of Cap 1.......I went to Chase pre approved site and BOOM! APPROVED for the Freedom $3000 (nice) but I knew I couldn't stop there so I went to Citi and got shot down Smiley Sad I knew but if I didn't get it all out of my system I would of always wondered if it was just Chase or me so I went for the Discover IT card and BOOM!! APPROVED $4500...wow! It sure does feel good to finally make it to "Primeville" and with out you guys I'd prob still be answering $750 when asked What's In Your Wallet...lol

 

Im done with my mini spree and as you all say..it's off to the garden I go.

Thank you guys for all the help you have given me over time, you guys rock!


Starting Score 11/2012 EQ: 615
Current Score 3/19/2014 EQ: 687
Current Score 3/19/2014 TU: 694


Take the FICO Fitness Challenge Discover IT $4500 Citi Simplicity Chase Freedom $3000 Cap 1 QS $1500 Cap 1 $300 Macy's $1500 Buckel $550 VS $500 Brylane Home $1000
Message 1 of 17
16 REPLIES 16
Vegas247
Established Contributor

Re: Thank you to all my fellow myFico's...great app day!

Congrats! Welcome to Primeville!

$600 Barclaycard® Rewards MasterCard® - Average Credit $6500 Blue Cash Everyday® Card from American Express $30k credit card16k Chase Freedom® - $200 Bonus12k VSiggy
Message 2 of 17
myjourney
Super Contributor

Re: Thank you to all my fellow myFico's...great app day!

Congrats on your success

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 17
somotao
Frequent Contributor

Re: Thank you to all my fellow myFico's...great app day!

Awesome.......Thanks for sharing your success story with us


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 4 of 17
coldnmn
Mega Contributor

Re: Thank you to all my fellow myFico's...great app day!

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 17
BigBS
Senior Contributor

Re: Thank you to all my fellow myFico's...great app day!

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 6 of 17
FocusedAndDetermined
Senior Contributor

Re: Thank you to all my fellow myFico's...great app day!

Congrats on your approvals!  Your journey is proceeding nicely.Smiley Very Happy

Message 7 of 17
gdale6
Moderator Emeritus

Re: Thank you to all my fellow myFico's...great app day!

Nice run, enjoy ")

Message 8 of 17
CreditMagic7
Mega Contributor

Re: Thank you to all my fellow myFico's...great app day!

It's your time for Prime!!!

And Yes, must agree, this forum & membership is an extremely vital support resource in making informative decisions like this proves for you at precisely the right time.

Congrats!
Smiley Happy
Message 9 of 17
CreditMagic7
Mega Contributor

Re: Thank you to all my fellow myFico's...great app day!

To Add:

Recon Citi to the EO to see if they might overturn the denial. Might be worth the effort if you haven't done it yet.
Message 10 of 17
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