Went crazy!!! recent approvals Whoop Whoop!!

Anonymous · ‎03-19-2016

Short story, i filed for bk7 in 2011 and my house was foreclose in 2012. Since them i started working on my credit, first with a credit one visa $1450 and then with a credit one MC $900. in 2013 apply for a Barclay reward MC and was approved with $1300 cl. October 2014 i apply for multiple credit cards and was denied on almost all of them with the exception of Lowes, VS, Amazon store credit, Game stop and Paypal smart connect. Fast fwd to last week and i decided it was time to app for some credit cards.

Approved

US Bank flex + $1000 (called for cli no luck
Discover it $1500 (called for cli no luck
BoA travel $2000 called for cli no luck
Barclay apple $1500 (called and got bump to $4000

not approved

amex hilton-because of the bk7 no other reason
citi-because of the bk7 no other reason
cap 1- denied not even for quicksilver

since i was feeling lucky i decided to call synch to try to get some love on lowes and amazon, Lowes went from $300 to $4000.00 and amazon was denied any cli.
today i received a letter from paypal smart connect that it was getting converted into MC in 60 days. So i called them and ask for some cli and to my surprise it went from $800 to $3500. this year so far looks like it is going to be my year. iam thinking on closing GSTOP $600, VS $500 , CREDIT ONE VISA $1450 AND CREDIT ONE MC $900, what to do guys think?, also i want to try next year again for amex and citi.

SnowBowl · ‎03-20-2016

@Anonymous wrote:
Short story, i filed for bk7 in 2011 and my house was foreclose in 2012. Since them i started working on my credit, first with a credit one visa $1450 and then with a credit one MC $900. in 2013 apply for a Barclay reward MC and was approved with $1300 cl. October 2014 i apply for multiple credit cards and was denied on almost all of them with the exception of Lowes, VS, Amazon store credit, Game stop and Paypal smart connect. Fast fwd to last week and i decided it was time to app for some credit cards.

Approved

US Bank flex + $1000 (called for cli no luck
Discover it $1500 (called for cli no luck
BoA travel $2000 called for cli no luck
Barclay apple $1500 (called and got bump to $4000

not approved

amex hilton-because of the bk7 no other reason
citi-because of the bk7 no other reason
cap 1- denied not even for quicksilver

since i was feeling lucky i decided to call synch to try to get some love on lowes and amazon, Lowes went from $300 to $4000.00 and amazon was denied any cli.
today i received a letter from paypal smart connect that it was getting converted into MC in 60 days. So i called them and ask for some cli and to my surprise it went from $800 to $3500. this year so far looks like it is going to be my year. iam thinking on closing GSTOP $600, VS $500 , CREDIT ONE VISA $1450 AND CREDIT ONE MC $900, what to do guys think?, also i want to try next year again for amex and citi.

I would recommend for you to wait until 2018 for Citi cards... here why... my BK discharge date was back in 2008... Citi told me I had to wait 7 years if I wanted to get in their door... so I did that until my BK has aged at the very least 7 years old.. then back in December ( 2015 ) I applied for Citi double Cash card and got approved instantly $2,400 then This month March I got another Citi card AT&T access card instant approval as well.. same CL as double cash, I am gonna show payments history on both accounts and let it grow for next 12-18 months before I will apply for Presitage or Premier Card.

on this date 1-22-24 all 3 bureaus are currently frozen until 1-22-26
VantageScore 3.0 EQ 753

Anonymous · ‎03-20-2016

Rebuilder card is QS1 for capital one. You wont be approved for the normal QS. I suggest applying for the QS1 and platnum. 1sec apart. so they only do one pull from all three. After your first statement with the Platnum, you can PC to normal QS. Anyway, GL and keep us updated on what you decide to do and what you are approved for. Interesting to know

UncleB · ‎03-20-2016

@Anonymous wrote:
Rebuilder card is QS1 for capital one. You wont be approved for the normal QS. I suggest applying for the QS1 and platnum. 1sec apart. so they only do one pull from all three. After your first statement with the Platnum, you can PC to normal QS. Anyway, GL and keep us updated on what you decide to do and what you are approved for. Interesting to know

+1

I'll just add that the QS1 MasterCard is actually a really good card, and later on you can always get it upgraded to a no-AF Quicksilver. It took me longer than a month, but eventually I got the upgrade, and I can say the waiting was worth it.

Anonymous · ‎03-20-2016

Congrats on the approvals!

Anonymous · ‎03-20-2016

@SnowBowl wrote:
@Anonymous wrote:
Short story, i filed for bk7 in 2011 and my house was foreclose in 2012. Since them i started working on my credit, first with a credit one visa $1450 and then with a credit one MC $900. in 2013 apply for a Barclay reward MC and was approved with $1300 cl. October 2014 i apply for multiple credit cards and was denied on almost all of them with the exception of Lowes, VS, Amazon store credit, Game stop and Paypal smart connect. Fast fwd to last week and i decided it was time to app for some credit cards.

Approved

US Bank flex + $1000 (called for cli no luck
Discover it $1500 (called for cli no luck
BoA travel $2000 called for cli no luck
Barclay apple $1500 (called and got bump to $4000

not approved

amex hilton-because of the bk7 no other reason
citi-because of the bk7 no other reason
cap 1- denied not even for quicksilver

since i was feeling lucky i decided to call synch to try to get some love on lowes and amazon, Lowes went from $300 to $4000.00 and amazon was denied any cli.
today i received a letter from paypal smart connect that it was getting converted into MC in 60 days. So i called them and ask for some cli and to my surprise it went from $800 to $3500. this year so far looks like it is going to be my year. iam thinking on closing GSTOP $600, VS $500 , CREDIT ONE VISA $1450 AND CREDIT ONE MC $900, what to do guys think?, also i want to try next year again for amex and citi.

I would recommend for you to wait until 2018 for Citi cards... here why... my BK discharge date was back in 2008... Citi told me I had to wait 7 years if I wanted to get in their door... so I did that until my BK has aged at the very least 7 years old.. then back in December ( 2015 ) I applied for Citi double Cash card and got approved instantly $2,400 then This month March I got another Citi card AT&T access card instant approval as well.. same CL as double cash, I am gonna show payments history on both accounts and let it grow for next 12-18 months before I will apply for Presitage or Premier Card.

thanks for the info, my goal is to have an amex cc in the future so i guess i will have to wait. I will concentrate on this new cards.

Anonymous · ‎03-20-2016

@Anonymous wrote:
Rebuilder card is QS1 for capital one. You wont be approved for the normal QS. I suggest applying for the QS1 and platnum. 1sec apart. so they only do one pull from all three. After your first statement with the Platnum, you can PC to normal QS. Anyway, GL and keep us updated on what you decide to do and what you are approved for. Interesting to know

i will take your advise and apply for the rebuilder card from capital one. THANKS!!

SouthJamaica · ‎03-20-2016

@Anonymous wrote:
Short story, i filed for bk7 in 2011 and my house was foreclose in 2012. Since them i started working on my credit, first with a credit one visa $1450 and then with a credit one MC $900. in 2013 apply for a Barclay reward MC and was approved with $1300 cl. October 2014 i apply for multiple credit cards and was denied on almost all of them with the exception of Lowes, VS, Amazon store credit, Game stop and Paypal smart connect. Fast fwd to last week and i decided it was time to app for some credit cards.

Approved

US Bank flex + $1000 (called for cli no luck
Discover it $1500 (called for cli no luck
BoA travel $2000 called for cli no luck
Barclay apple $1500 (called and got bump to $4000

not approved

amex hilton-because of the bk7 no other reason
citi-because of the bk7 no other reason
cap 1- denied not even for quicksilver

since i was feeling lucky i decided to call synch to try to get some love on lowes and amazon, Lowes went from $300 to $4000.00 and amazon was denied any cli.
today i received a letter from paypal smart connect that it was getting converted into MC in 60 days. So i called them and ask for some cli and to my surprise it went from $800 to $3500. this year so far looks like it is going to be my year. iam thinking on closing GSTOP $600, VS $500 , CREDIT ONE VISA $1450 AND CREDIT ONE MC $900, what to do guys think?, also i want to try next year again for amex and citi.