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Established Member
mbj81380
Posts: 11
Registered: ‎02-09-2012

What a difference a year makes!!

Last year, I couldn't get approved for anything except a secured Capital One card with a $200 limit.  Today, I was approved for an Amex with a $4500 limit!  I'm completely shocked and will happily go into the garden for a while!  Here is a list of my current cards that I defintiely couldn't have gotten without these boards:

 

Discover More:  1k (was $500, just got a tiny increase)

Old Navy Visa:  2k (was a regular store card with a $300 limit, just got upgraded)

Amex Blue:  4.5k (still a little shocked about this one!)

Victorias Secret:  500

Express: 250

 

I'm very content right now, Amex was my ultimate goal!

Current Scores: 680 Credit Karma, 721 Credit Sesame, 705 MyFico, 715 Discover CMS
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: What a difference a year makes!!

You're well on your way now! Grats!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: What a difference a year makes!!

CONGRATS!!!!

How long did you have the old navy store card before upgrade?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
mbj81380
Posts: 11
Registered: ‎02-09-2012

Re: What a difference a year makes!!

I got the Old Navy card in September and they refused to give me credit limits.  I finally decided to stop asking!!  I never got one until I logged in to pay my bill and a pop-up said I was approved for the visa upgrade.  So weird that they wouldn't budge past $300 for 9 months and then all of a sudden they decided to bump me up like that. 

Current Scores: 680 Credit Karma, 721 Credit Sesame, 705 MyFico, 715 Discover CMS
Established Contributor
2NE1
Posts: 972
Registered: ‎12-06-2011

Re: What a difference a year makes!!

Congrats! :smileyvery-happy:

So you ended up closing your CapOne secured card?

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Super Contributor
CS800
Posts: 6,547
Registered: ‎04-07-2008

Re: What a difference a year makes!!

I year sure makes a big difference. I can relate :smileyhappy:

 

I'm eager to see my ON converted into a VISA.




Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011

Re: What a difference a year makes!!

Congratulations!!!  NOW -- just think where you'll be this time NEXT year!!!  :smileyvery-happy:  



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Established Member
mbj81380
Posts: 11
Registered: ‎02-09-2012

Re: What a difference a year makes!!

I closed my Capital One card before the annual fee hit.  Unfortunately, that was my oldest account, but it was still only a year old.  I'm ok taking a hit on my AAoA in the name of bigger and better credit right now!

 

Update:  My itchy finger just applied and was approved for the Chase DIsney Premier Visa....2k temporary limit.  I think I'm done for a little while!!!

Current Scores: 680 Credit Karma, 721 Credit Sesame, 705 MyFico, 715 Discover CMS
Regular Contributor
BCF
Posts: 120
Registered: ‎05-27-2012

Re: What a difference a year makes!!

Congrats!

Unless you have a baddie, one year is enough to get to the prime cards, especially at the beginning of credit journey

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Established Member
mbj81380
Posts: 11
Registered: ‎02-09-2012

Re: What a difference a year makes!!

I don't have any baddies on my reports, just a thin file.  Now that I have an Amex, Discover and the Chase Disney, I'm completely content to lay off everything for a while!!  Eventually I want an airline card, but I'll wait a little while for that one.  It's so nice to be automatically approved for cards after getting rejected so often!!

 

Into the garden I go!!

Current Scores: 680 Credit Karma, 721 Credit Sesame, 705 MyFico, 715 Discover CMS

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