I cannot be more excited, and what a long road it has been. I filed for bankruptcy 10 years ago this April and a few latest over 3 years ago and what ways.. I received my very first big girl I call it invitation in the mail from Citi yesterday for the Citi Thank you Preferred offering 0% on purchases and transfer for 18 months! I honestly had to take a look at the name on the invitation twice! So it also came with a 10,000 Bonus Thank you points if I spend $500 in the first 3 months, so I said what do I have to loose and applied. It right away said it needed further processing, so I decided to call this morning for status and spoke to a very nice young lady. She said I need a few minutes, I was almost sure she would came back and say DENIED!!! After a few long minutes came back and did say Mrs...F I just want to thank you for holding and we have approved your application for $1,500 (not much to many but for me I will take it)! I am excited to be approved for the card indicated as the letter did say if I did not qualify for this card they would consider me for their standard Thank you Card.
I will lay low for a while now, I do have an Amex TU card (wont move from the 1200 limit), Zync, a few GE cards that have grown with me and a Barclays Itunes that is now at $4k limit. I think what has helped now is that I did finance my first car in November from Ford where I was approved for the 0%, as well as my BK just on one of my 3 reports.
I am looking forward to this card growing with me, the gal on the phone did say that they consider CL every 90-240 days?? I will use it as my primary card it will be easy for me to spend $500 in three months to get my 10,000 points!
I have not pulled any new my fico reports, but the scores below are pretty old. In looking at my scores on Amex website my Experian showed 663 a few weeks ago.
MyFico 3B Scores: EQ: 3/22/16 (727), EX (710) TU (714)
Starting Score: 744
! Does any one have any input to share on CL with this card?
Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!