04-11-2012 07:50 AM
Well, today was the day that I finally hit six months on my Citi Dividend World Mastercard...I couldn't wait to hit the love button, as I was confident that they would raise my limit. I filled out all of the pertinent information, but to my surprise, right before submitting the application, I was informed that I may incur a hard pull - however, I wasn't concerned because I have security freezes on all of my bureau reports. But to my dismay, my transunion report was in fact pulled despite the freeze. As you can imagine, I was very angry...I mean spit flying angry. And to make matters worst, Citi declined my request ...I had planned on gardening until next month, at which point I had planned on applying for a CSP and a USAA World MC.
Angry about the pull, and more so because of my impatience (I should have cancelled when informed about the hard pull), I decided what the heck...I've already been dinged, I may as well go ahead and apply for the two cards that I was gardening for. So I lifted my freezes and applied for the CSP first, and....instantly approved for a $12,500 cl ...next came USAA World MC, and....instantly approved for $5000 cl ...order has been restored, and I will be happily gardening until 2014...Thanks myFico! I am so much more educated because of you...
04-11-2012 08:08 AM
Thank you! It's been a long journey...When I started rebuilding in 2007, my credit scores were 528, 551 and 549. Still kind of surreal to now be able to get instant approvals...
04-11-2012 08:35 AM
Wow, a $12,500 instant approval! Congrats! That'll be some happy gardening!
04-11-2012 08:38 AM
Thank you ..yes it will! I don't plan on apping again until I apply for a mortgage in 2014...
04-11-2012 11:47 AM
04-11-2012 12:30 PM
Thank you both!
04-11-2012 12:35 PM
Congrats on your new cards!! Smart move to go ahead and app it out.. Happy gardening until 2014
04-11-2012 01:28 PM
WOW, Congrats Searching! That's great especially since you've been working on your credit for so long. I had a similar story (and scores). I started rebuilding in 2008 and got really serious about it last fall. I've still got my rebuilder cards, but I hope to ditch those either at the end of this month once I close on my house or this summer.
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