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New Contributor
Posts: 68
Registered: ‎07-25-2013
0

Out of the Garden!

So after over a year in the garden I decided to step out and app for a couple of cards. I app'd and got approved for the Discover It and the Amex BCE. So pumped to have a non Cap1 card. Thank you to everyone on the forum for all of the good info and advice. It was only 18 months ago that all I had was a Cap1 platinum w a cl of $250, these latest 2 were my 4th &5th cards. Still waiting to find out my limits. But thanks to the forums I am guessing my total available credit has went from $250 to in the $5,000 range. Thanks again everyone, excited to be a part of the Discover and Amex families!
Starting Score (July 2013) Exp 665 Equ 658 TU 660
Current Score (Feb 2015) Exp: ??? Equ: 765 TU: 776


Amex BCE ($12,000) Discover It ($7,400) Cap1 Cash Rewards ($2,250) Cap1 Platinum ($4,500) Express Next ($1,450)
Regular Contributor
Posts: 185
Registered: ‎10-11-2012
0

Re: Out of the Garden!

Congrats on your approvals! You can check either CLs by calling in.

Chase Sapphire Preferred / Chase United MileagePlus Explorer / Chase Freedom / AMEX PRG / AMEX SPG / AMEX BCE / Discover IT / Barclaycard Financing / BofA Cash Rewards for Students / CITI Classic
Community Leader
Valued Contributor
Posts: 1,082
Registered: ‎05-28-2013
0

Re: Out of the Garden!

Congrats!  Nice line up of CC and CL there. Smiley Happy


Experian score (Amex) 734; Transunion score (Barclay) 732
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Out of the Garden!


Zz_JC_zZ wrote:
So after over a year in the garden I decided to step out and app for a couple of cards. I app'd and got approved for the Discover It and the Amex BCE. So pumped to have a non Cap1 card. Thank you to everyone on the forum for all of the good info and advice. It was only 18 months ago that all I had was a Cap1 platinum w a cl of $250, these latest 2 were my 4th &5th cards. Still waiting to find out my limits. But thanks to the forums I am guessing my total available credit has went from $250 to in the $5,000 range. Thanks again everyone, excited to be a part of the Discover and Amex families!

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?
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Out of the Garden!

Woohoo! Great news! Don't forget the 3x CLI after 60 days.
Senior Contributor
Posts: 7,698
Registered: ‎01-05-2013
0

Re: Out of the Garden!

Congrats!

New Contributor
Posts: 68
Registered: ‎07-25-2013
0

Re: Out of the Garden!

Thanks everyone! Just called for the limits, Disc $1,500 and Amex $1,000. Doubled my total available credit. Time to update my goals!
Starting Score (July 2013) Exp 665 Equ 658 TU 660
Current Score (Feb 2015) Exp: ??? Equ: 765 TU: 776


Amex BCE ($12,000) Discover It ($7,400) Cap1 Cash Rewards ($2,250) Cap1 Platinum ($4,500) Express Next ($1,450)
Established Contributor
Posts: 911
Registered: ‎12-25-2010
0

Re: Out of the Garden!

Welcome to the Amex & Discover families!!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Out of the Garden!

Congrats!

What's the rest of your credit profile like? Any baddies, inquiries, etc....

I ask because I read of people with much shorter history getting approved with much bigger limits.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
New Contributor
Posts: 68
Registered: ‎07-25-2013
0

Re: Out of the Garden!

AAoA is a year. And 1 baddie on my TU from 07
Starting Score (July 2013) Exp 665 Equ 658 TU 660
Current Score (Feb 2015) Exp: ??? Equ: 765 TU: 776


Amex BCE ($12,000) Discover It ($7,400) Cap1 Cash Rewards ($2,250) Cap1 Platinum ($4,500) Express Next ($1,450)

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