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Posts: 108
Registered: ‎06-24-2012
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So, I went to BB and was approved for the BB Card.  The store clerk did not recommend the MC for the same reasons many of you suggested here.  The reason I did not wait to use the Citi Diamond Preferred that I am waiting for is because it does not offer cash back opportunities.  BB Reward Zone gives you $5 on every $250 spent, and since I buy there all the time I have $100  in Reward Zone Points that I did not even know that I had.  Also, the purchases total $829 with the IPAD and insurance package, but I plan to pay $500 of that back today.  I expect to have this paid for within the next month.  All of my other CC have a 0 balance so I am managing very well.  My score at the time was about 645.  I am going to garden for real this time so my score can  hopefully climb to 700 by June 2013 which is my goal.


Thanks everyone for your support.  I have to say it feels good to stand at the register and no that you will be approved.  It's a certain level of respect extended to you when you hold these cards, and I am enjoying that respect. 

Valued Contributor
Posts: 2,457
Registered: ‎09-16-2011
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You were approved for the BB store card with a 645 FICO? They must be really loosening up requirements for the card. It used to take a score higher than 720 to get it. I guess CapOne changed the rules? 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Posts: 17,443
Registered: ‎12-30-2011
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jamesdwi wrote:

You were approved for the BB store card with a 645 FICO? They must be really loosening up requirements for the card. It used to take a score higher than 720 to get it. I guess CapOne changed the rules? 

Really?  Looking at the databases it seems like 640 was around the minimum for the last year and a half or so, though like anything not all 640's were created equally like any other FICO score.  When did the C1 transition happen, thought it was this year?


Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)

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Regular Contributor
Posts: 214
Registered: ‎08-02-2012
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I agree with the respect factor! Being responsible, knowing what you owe, how you pay is awesome. Additionally, I am now feeling freedom that I didn't always have in the past. It's a phenom feeling isn't it?


Happy Gardening my friend Smiley Wink

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013

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