I let my credit go down hill when the economy tanked. A year ago I finally got in with Chase with the United Explorer card and then with Penfed with a $6000 limit and 16% apr. But I never could get the 1 card that I really wanted (the Citibank Advantage card) . I also couldn't get in with BOA (Alaska Airlines card) Yesterday I was in Bass Pro and they offered me 10% off for applying for their credit card, which is through BOA. It was approved with $1000 limit. Going to pay it off and close it. This morning I received an email from American Airlines for 50,000 bonus miles with $3000 spend in 3 months. I was feeling like I'll give it a shot for the heck of it. Whats 1 more pull since I already have 13 on my Experian report. So I did it, waited for that message 7 to 10 days. A couple of seconds later BOOM congratulations you are approved with a $6000 limit. Terrible interest rate 23% but I'm a happy happy girl. I have 21% utilization. 687 credit score Experian , not what Experian's website says (657) . 1 collection that is falling off in Feb for $287 and I burned Citibank back in 1998 for $1800 which I still have a wage garnishment but for some reason its not on my report. 1 30 day late which is falling off my report sometime this month.
If it wasn't for all you good people and your good advice and this fantastic website, I would never have been approved for anything, well maybe a Credit One card lol. Thank you so much
