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2 for 2 with BK reporting - now 3 for 3

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pokerpro
Frequent Contributor

2 for 2 with BK reporting - now 3 for 3

I am glad to share that I just got approved for two consecutive cards - after my mess with Amex Smiley Happy

 

Disover more card - 2000 CL ( another proof that BK is not a deal breaker)

Walmart store card - 200 CL initially (what a joke) , so I called a credit analyst and told me to take a manual review at my report

bump it to at least 1000 or just cancel the app all together

five minutes on hold then - I agree sir with considering your other exisiting CL, card will be adjust to a 1000 limit

 

No more app for me, this is my first apping in four year span

 

Also;

 

BK is eight years old, no negative since

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 1 of 18
17 REPLIES 17
LS2982
Mega Contributor

Re: 2 for 2 with BK reporting -

CONGRATS!!!!



EQ FICO 548 3/3/16
Message 2 of 18
aussiesareforever
Established Contributor

Re: 2 for 2 with BK reporting -

Congrats. I just left a comment on your other thread. I'm glad you went for it Smiley Happy


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 3 of 18
pokerpro
Frequent Contributor

Re: 2 for 2 with BK reporting -

Thanks LS

Aussie - I read your other comment
Thank you

No reason for Barclay's at this point. I have enough that I can actually utilize

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 4 of 18
J2W
Established Member

Re: 2 for 2 with BK reporting -

intrested in apping for apple card..however I see they are Barclay...turned down earlier this month for United Airlines card ..to many inq.....I know they are backed by the same bank, however i wonder of the criteria is diffrent to qualify..bieng the UA card is a travel card w reward points and the apple card is a CC to purchase a compute?

Message 5 of 18
pizzadude
Credit Mentor

Re: 2 for 2 with BK reporting -

Congrats on the approvals ! And maybe AMEX will still come thru for you Smiley Wink
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 6 of 18
emptypockets
Valued Contributor

Re: 2 for 2 with BK reporting -

Congrats on the new approvals! Walmart will give CLI's every 4 statements, and the Discover is good for rewards.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 7 of 18
bamagirl1
Established Contributor

Re: 2 for 2 with BK reporting -

Pokerpro--

 

Congrats ! Congrats!

 

I know that is a wonderful feeling, b/c I like you have an almost 8 year old BK..I too have a Discover and I've gotten a few other prime cards recently, such as AMEX!! So I know it's possible..

 

Fortunately an older BK is not the end of the credit world for us anymore!!  Mine was primarily due to medical bills ( I had 5 back surgeries) and then during that time I was surplused from my job..

 

There is a light at the end of the tunnel!!

Congrats and I can't wait to see what you accomplish in the future!Smiley LOL

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 8 of 18
pokerpro
Frequent Contributor

Re: 2 for 2 with BK reporting -

I should call Amex and offer to change my name to Bamagirl to get some luv  Smiley Happy

 

or perhaps I should have been more conservative and apped for Zync instead of going all out.

 

 

Thanks alot for the wonderful encouragement. The discover rep said what happened those last eight years is what qualified me for their card with no

questions asked

 

 

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 9 of 18
tinuviel
Moderator Emeritus

Re: 2 for 2 with BK reporting -


@pokerpro wrote:

I should call Amex and offer to change my name to Bamagirl to get some luv  Smiley Happy

 

or perhaps I should have been more conservative and apped for Zync instead of going all out.

 

 

Thanks alot for the wonderful encouragement. The discover rep said what happened those last eight years is what qualified me for their card with no

questions asked

 

 


Congrats! You've earned it! Enjoy your new card. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 10 of 18
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