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Valued Contributor
jsucool76
Posts: 2,768
Registered: ‎12-11-2011

Re: Here come the pre approvals...

I never get any pre approvals in the mail. I got one for cap1 which I took and got me my first card, but since then I dont get anything. :-(
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
lithium78
Posts: 928
Registered: ‎07-30-2011

Re: Here come the pre approvals...

I've been getting a lot of pre-approved offers for Chase Southwest ($99 AF, no thank you) and AMEX Green (rewards are nothing special plus $95 AF after the first year, so I will pass.)  It's nice to get offers though.  It shows you that you are making progress.


Starting Score: TU: 566
Current Score: TU: 736 (Walmart FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012

Re: Here come the pre approvals...

Besides the subprime garbage the only pre approval ive gotten was my bank of america card which i was instantly approved for 

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
RockinRay
Posts: 1,933
Registered: ‎08-13-2007

Re: Here come the pre approvals...


tcbofade wrote:

I haven't apped for anything since 08 August.

 

Util is creeping downward, nothing special.  FICO is creeping upward, no leaps or bounds.

 

Got a pre approval for First Premier last week...puke...still, it IS a pre approval. 

 

Got a pre approval today for Spring leaf financial...not going to bite, but it's another pre approval...


Glad to readt that you are still hammering on the debt! Great job...  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
tcbofade
Posts: 1,765
Registered: ‎09-26-2011

Re: Here come the pre approvals...

Thanks for the encouragement, Ray.

 

Currently, we're stuggling to adjust to living on smaller incomes AND trying to reduce our debt at the same time.

 

Gonna be a loooong year....



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

Gardening until October 2014.

(Thou shalt not app, thou shalt not app, thou shalt not app...)

Zero percent financing is where the devil lives...
Frequent Contributor
LionLaw
Posts: 258
Registered: ‎06-10-2012

Re: Here come the pre approvals...

Hang in there man! You're in the middle of a long, hard journey, but you're still making progress toward your goal. I know there are a lot of people on here who are following your story (myself included), and we all want to see a happy ending.

Sorry to hear about the income taking a hit. But, it sounds like you've figured out how to keep your finances organized; you may not be able to pay off 1 CC a month, but you can keep making progress. Good luck!

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Senior Contributor
john398
Posts: 3,239
Registered: ‎01-19-2009

Re: Here come the pre approvals...

I just get preapprovals lately for Credit One and First Premier LOL

Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Re: Here come the pre approvals...


LionLaw wrote:
Hang in there man! You're in the middle of a long, hard journey, but you're still making progress toward your goal. I know there are a lot of people on here who are following your story (myself included), and we all want to see a happy ending.

Sorry to hear about the income taking a hit. But, it sounds like you've figured out how to keep your finances organized; you may not be able to pay off 1 CC a month, but you can keep making progress. Good luck!

+1

 

I kept this saying in mind while I was going through my rebuild, and it was very helpful for me:

 

"I may not be there yet, but I am closer than I was yesterday."

 

getting-closer.jpg


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum 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 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Valued Contributor
tcbofade
Posts: 1,765
Registered: ‎09-26-2011

Re: Here come the pre approvals...

Thank you Lion and tinu for the positive feedback.

 

It's kind of difficult to explain, but while I'm not able to take huge bites each month right now, most months our budget allows me to use one particular card as a gas card... on those months, we can take small bites at least.

 

I get frustrated some months (October of 12, January of 13) when our budget simply won't allow the bigger payment required...so I end up buying one tank of gas on card x, one tank on card y, one tank on card z etc etc...which has proven to be a really efficient way of keeping various bank cards maxed out.  :smileysad:

 

In February and March (of 2013) I should be able to keep my gas card funded, and the (slightly higher than) minimum payments made across our many, many credit cards can take a bunch of small bites off of the balances...

 

I hope.

 

 



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

Gardening until October 2014.

(Thou shalt not app, thou shalt not app, thou shalt not app...)

Zero percent financing is where the devil lives...
Valued Contributor
tcbofade
Posts: 1,765
Registered: ‎09-26-2011

Re: Here come the pre approvals...

Oh yeah, I got another pre approval in the mail yesterday...something called mobileloans which looks a lot like those 800% Indian reservation loans...straight to the trash can...



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

Gardening until October 2014.

(Thou shalt not app, thou shalt not app, thou shalt not app...)

Zero percent financing is where the devil lives...

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