cancel
Showing results for 
Search instead for 
Did you mean: 

I'm so HAPPY :')

Established Contributor

I'm so HAPPY :')

I am soo happy!  I have been trying so hard to get some sort of positive tradelines on my credit and seemed hopeless since I couldn't get approved for a secured card.

 

I had applied for Bank of America Platinum Visa card after getting a pre-qual or pre-approval online (can't remember which) I received the letter in the mail yesterday and was denied due to lack of credit history.  I called to recon and talked to a credit analyst, he said pay of your charge off and we'll might approve you in six months.  But I had a feeling I should contact the CEO, which I did for reconsideration.  I received a call from an amazing lady that works on the card servies management team.  She was very personable and nice but tried to convince me to get the secured card and I kept declining (lack of funds lol) but while I was talking to her I think I was impressing her with my knowlege of credit thanks to this forum and we spoke of utilization, paying before due date to avoid interest etc. She asked that I email her a copy of my Aaron's payment history for consideration.  I emailed her and said I couldn't get it until monday and not 30 minutes later she called me personally again and said that I impressed her with my knowledge of credit and I clearly know what my goals as far as my credit is concerned and that someone needed to give me a chance and she wanted to be that person!

 

And she APPROVED ME for a $500 Bankamericard Platinum visa!   I could not stop thanking her for giving me the chance!  I plan on only using this for gas every month which is usually less than $50 (I work from home)

 

With this reporting along with Fingerhut when it does and Aarons I think I have a good chance at my dream, owning a home!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 1 of 15
14 REPLIES
Moderator Emerita

Re: I'm so HAPPY :')

Message 2 of 15
Super Contributor

Re: I'm so HAPPY :')

Congrats and may all your dreams come true

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 15
Established Contributor

Re: I'm so HAPPY :')

Thank you so much! I have literally been trying to get some sort of credit since I was 18 and I am now 25 LOL

 

I can't wait to see how this will affect my score!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 4 of 15
Mega Contributor

Re: I'm so HAPPY :')

CONGRATS!!!

Your credit journey has begun!!



EQ FICO 548 3/3/16
Message 5 of 15
Established Contributor

Re: I'm so HAPPY :')


LS2982 wrote:
CONGRATS!!!

Your credit journey has begun!!

Ah it has huh?! Smiley Very Happy I am ready for the ride! 

 

She told me they are very generous with the CLI as well and they may automatically do it within 30 days ! Insane! If they don't I probably won't request one until the 6month to a year mark. 

 

Does anyone know how long it normally takes them to report? 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 6 of 15
Established Member

Re: I'm so HAPPY :')

Congrats to you!!

Wallet: AMEX EveryDay $1,000 | AMEX Blue Cash $13,800 | Macy's AMEX $6,500 | BankAmericard Better Balance Rewards $18,000 | Citi Double Cash $14,200 | Citi Simplicity $8,000 | Citi Diamond Preferred $5,100 | Discover IT $3,500 | Capital One Quicksilver $3,000 | Chase Freedom $10,000 | Chase Slate $10,000 | Chase Amazon $2,000 | Chase United $10,000 | Express Store Card $2,290 Overstock.com Store Card $5,800 | The Limited Store Card $1,000 | Ann Taylor Store Card $1000 | Crate & Barrel Store Card $10,000 | West Elm Store Card $3,000 | Z Gallerie Store Card $8,000
Message 7 of 15
Established Contributor

Re: I'm so HAPPY :')

feel so good huh? i know how you feel ^-~. congrats

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 8 of 15
Mega Contributor

Re: I'm so HAPPY :')


2FixMyCredit wrote:

LS2982 wrote:
CONGRATS!!!

Your credit journey has begun!!

Ah it has huh?! Smiley Very Happy I am ready for the ride! 

 

She told me they are very generous with the CLI as well and they may automatically do it within 30 days ! Insane! If they don't I probably won't request one until the 6month to a year mark. 

 

Does anyone know how long it normally takes them to report? 


Usually 1-2 statement cycles.

 




EQ FICO 548 3/3/16
Message 9 of 15
Valued Contributor

Re: I'm so HAPPY :')

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 10 of 15