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Just one more...

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myjourney
Super Contributor

Re: Just one more...


@koalablue wrote:

I swore I was done after my Penfed and local credit union low interest visas, but decided I needed a card with a 0% intro interest rate - my Discover 0% runs out in March.  My job situation is a bit precarious so I thought it better to apply while I could.  At any rate, applied for Citi Simplicity and got denied.  Then got a mailer from BofA (I've gotten a bunch of these) saying I was preselected for their Cash Rewards card, so I took a chance and applied.  Its no interest for the first 15 statement periods.  Approved with 10,000 limit.  Now I'm really done.


Nice starting limit congrats

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 11 of 17
eddie84
Valued Contributor

Re: Just one more...

Congrats!  And Citi denied me too. Smiley Mad  Oh well, I still have one of their crappy cards (Diamond Preferred) around. Smiley Very Happy

Message 12 of 17
koalablue
Frequent Contributor

Re: Just one more...

Thanks everybody! Smiley Happy  BofA is already reporting the card to the various credit agencies, and I don't even have it yet.

Message 13 of 17
koalablue
Frequent Contributor

Re: Just one more...


@2011beginnings wrote:
Wow. Congrats!

What's your credit profile if you don't mind me asking?

Sure - they pulled Experian.  Score was probably 720 to 730 when they pulled.  7 inquiries in past year. 80,000 income. Only baddie was one 30 day late from April 2011.  Highest credit limit on any of my cards is 23500 on Wells Fargo Visa.

Message 14 of 17
OptimalCS
Frequent Contributor

Re: Just one more...

Nice!
"Wisdom is the principal thing..."
Message 15 of 17
azguy13
Senior Contributor

Re: Just one more...


@chrisw1968uk wrote:

It just amazes me how one can deny you - and another gives 10 grand! lol - congrats on a great result Smiley Wink


I was given the 30 day message (may have been a 7-10) from U.S. Bank after I got a $25K CL from NFCU. I know NFCU is overly generous, but I figured I would get SOMETHING from US Bank

Message 16 of 17
creditnocash
Valued Contributor

Re: Just one more...


@chrisw1968uk wrote:

It just amazes me how one can deny you - and another gives 10 grand! lol - congrats on a great result Smiley Wink


word!

congrats.  



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 17 of 17
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