You post is an awesome testimony! I read it again for encouragement as I await a recon from Amex and Citi...blessings to you Rev!
Thank you. I told myself after having gone through a Ch13 and all the explanations and rebuilding that comes after, that there is a reason for everything. If I could have avoided the BK, I would have, but I went from a dual to single income and I was very picky as to when I would rebuild and who it would be with into the credit world after finishing up my payment plan. In today's world, its either cash or credit and in some rare instances, credit cards only. So, with that said, I just wanted to start back on track with prime, surpass the subprime and just stick with determination that if you mean business, then stick with the ones you know who you want to have a long and lasting "banking" relationship with.
I hope to just build my credit scores from here on out and stick with my game plan that 1 or 2 major credit cards (even if credit line is small) would be sufficient.
Congrats OP and everyone else who was determined to get approved!
I applied for a CSP today and it said it needed further review. So I called right away and approved on first try $5K! I told the CSR this is a great XMAS gift!
Got to say... Just keep on trying! Good luck yall!