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Established Contributor
Posts: 507
Registered: ‎02-02-2013
0

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

Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: I'm so HAPPY :')

Community Leader
Senior Contributor
Posts: 30,763
Registered: ‎02-07-2013
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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?
Established Contributor
Posts: 507
Registered: ‎02-02-2013
0

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

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: I'm so HAPPY :')

CONGRATS!!!

Your credit journey has begun!!



EQ FICO 548 3/3/16
Established Contributor
Posts: 507
Registered: ‎02-02-2013
0

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

Established Member
Posts: 34
Registered: ‎02-24-2012
0

Re: I'm so HAPPY :')

Congrats to you!!

Most recent FICO via TU (Discover provided) 721 6/14/2015. Overall utilization 15%. Wallet: AMEX EveryDay $20,000 | AMEX Blue Cash $13,800 | Macy's AMEX $3,000 | BankAmericard Better Balance Rewards $13,000 | Citi Double Cash $15,000 | Citi Simplicity $10,300 | Citi Diamond Preferred $5,100 | Discover IT $3,500 | Capital One Quicksilver $3,000 | Chase Freedom $10,000 | Chase Slate $10,000 | Chase Amazon $7,000 | Chase United $5,000 | Express Store Card $2,290 | Macy's Store Card $6,500 | Overstock.com Store Card $5,800 | The Limited Store Card $1,000 | Paying off car this year at 0%!
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

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
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: I'm so HAPPY :')

[ Edited ]

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
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0

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

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