My credit journey is completed (for now)

minipoly1 · ‎10-01-2013

Recently I was approved for 7.5K Amex BCE and 6.2K CSP.

Few days ago I did 61 days CLI and got counter offer of 17.6K

Today I requested for graduation of my BofA 99/500 and was approved with a CLI to 3K. Before SD'ed, I decided to PC it to Better Balance Rewards to take advantage of $120 statement credit per year.

I also requested CLI for my Discover IT. Was told it will be a HP. Decided to go ahead and approved for 3K too.

So start from Sep 2012 with a 99/500 BofA CashRewards, today I have 30K+ prime credit. I've been lurking around here for the last 6 months and your stories + advices helped me a lot. Thanks everyone.

My credit journey is completed for now. I will not apply anything until, who knows.

Amex BCE $17,600 | CSP $6,200 | PayPal Extras MC $3,000 | Discover $3,000 | BofA $3,000
Last app: Oct 1, 2013. No app until 2015 or new credit card with big bonus introduced.

BearsAndTurtlesRtheBest · ‎10-01-2013

Thats fantastic!! Wow you did an excellent job congrats!!!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

myjourney · ‎10-01-2013

@minipoly1 wrote:
Recently I was approved for 7.5K Amex BCE and 6.2K CSP.
Few days ago I did 61 days CLI and got counter offer of 17.6K

Today I requested for graduation of my BofA 99/500 and was approved with a CLI to 3K. Before SD'ed, I decided to PC it to Better Balance Rewards to take advantage of $120 statement credit per year.
I also requested CLI for my Discover IT. Was told it will be a HP. Decided to go ahead and approved for 3K too.

So start from Sep 2012 with a 99/500 BofA CashRewards, today I have 30K+ prime credit. I've been lurking around here for the last 6 months and your stories + advices helped me a lot. Thanks everyone.

My credit journey is completed for now. I will not apply anything until, who knows.

Congrats time to hit the garden

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?

tinuviel · ‎10-01-2013

Nice going! Congratulations on a successful journey. Now's a good time to rest and enjoy the garden.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby 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 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

09Lexie · ‎10-01-2013

I enjoy reading success stories like yours! Congratulations on your achievement and come on over to the garden!

Closing Credit Cards

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MsLadyRover · ‎10-02-2013

Congratulations OP! Great job!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
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goal_digger · ‎10-02-2013

Congrats OP!

If you wouldn't mind me asking, how long did you have the BOA secured card before apping for Discover and Amex? Also, what's your credit profile like? After 14 mos with BOA I would like to app a new card but will admit I'm a bit nervous ...

In order of approval...

Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.

minipoly1 · ‎10-02-2013

@goal_digger wrote:
Congrats OP!

If you wouldn't mind me asking, how long did you have the BOA secured card before apping for Discover and Amex? Also, what's your credit profile like? After 14 mos with BOA I would like to app a new card but will admit I'm a bit nervous ...

I had BofA 99/500 back in Sep 2012. In March I applied for Discover IT and was approved for 1K. I applied for Amex in July and CSP in Aug.

Never had credit before Sep 2012, pefect history. Inquiry prior to Discover: TU 2 EX 1 EQ 0

Amex BCE $17,600 | CSP $6,200 | PayPal Extras MC $3,000 | Discover $3,000 | BofA $3,000
Last app: Oct 1, 2013. No app until 2015 or new credit card with big bonus introduced.

justforting · ‎10-02-2013

Congrats!

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)

goal_digger · ‎10-02-2013

ETA an actual response..

@minipoly1 wrote:
@goal_digger wrote:
Congrats OP!

If you wouldn't mind me asking, how long did you have the BOA secured card before apping for Discover and Amex? Also, what's your credit profile like? After 14 mos with BOA I would like to app a new card but will admit I'm a bit nervous ...
I had BofA 99/500 back in Sep 2012. In March I applied for Discover IT and was approved for 1K. I applied for Amex in July and CSP in Aug.
Never had credit before Sep 2012, pefect history. Inquiry prior to Discover: TU 2 EX 1 EQ 0

Thanks so much! This is such an inspiration. Congrats again!!

In order of approval...

Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.