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What was your 2009 Credit Card Shocker?

Super Contributor

What was your 2009 Credit Card Shocker?

Was it fees, CLD's, CLI's, rate increases and closure of accounts?  Was it a new credit card you always wanted and got approved for it?  Was it a change of unrequested due date?  Was it a high unexpected initial credit limit and etc.?

 

My biggest shocker was reaching my $20,000 total credit card limit goal. 

Message 1 of 79
78 REPLIES
Valued Contributor

Re: What was your 2009 Credit Card Shocker?

I've had several eye openers since I joined this forum...most of them positive.

 

My biggest shocker was when I was approved for my own Discover with a $13,140 CL...especially after being declined originally. I surprised myself that I had the courage to call for reconsideration...state my case...and have it turn out positively. (My husband's biggest shocker was likely that I got a $13,140 CL, since he has had his Discover since 1987 and has a CL of $11,800...and, I'm in school. Go figure...)

 

I thank everyone in this forum and wish everyone a very happy new year.

Message 2 of 79
Frequent Contributor

Re: What was your 2009 Credit Card Shocker?

rate increases on my credit cards. they are all jacked up!!  just kidding.

 

not all of them, but a few went up.

Message Edited by bakalao2k on 12-31-2009 10:54 AM
TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
Message 3 of 79
Regular Contributor

Re: What was your 2009 Credit Card Shocker?

My biggest shocker was that a card in this environment is offering a 4.5% APR.  Ameriprise World Elite Mastercard.  We shall see how long this lasts. 
Message 4 of 79
Moderator Emeritus

Re: What was your 2009 Credit Card Shocker?

A BoA LOC of $26,500 being closed because they said I had enough credit.
Message 5 of 79
Established Contributor

Re: What was your 2009 Credit Card Shocker?

I actually got approved for a unsecured card and to boot within the last 3 months of the year got approved for 4 cards!!! Now it is time to garden those 4 cards and my auto loan and lay low for 2010 to boost my scores.
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2011 Credit Goals
1. No Lates
2. Join the 700 club
3. No inquiries
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Message 6 of 79
Super Contributor

Re: What was your 2009 Credit Card Shocker?

For me it is getting Discover Motiva approved. I have been trying for Discover for so long, I am glad I finally got the card with $8k cl.
Message 7 of 79
Senior Contributor

Re: What was your 2009 Credit Card Shocker?

For me...it was the approval for the 10k Nationwide card.  cc unrelated shocker...when I realized I could join NFCU without help from anyone!

 

All my limits went up this year & I didn't have 1 rate jack either!  So far, it's been a good year!!

 

 

 



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 8 of 79
Regular Contributor

Re: What was your 2009 Credit Card Shocker?

My BIGGEST shocker credit-wise was not Credit CARD related...I was stunned to find out that I could (and did) purchase a home. From a CC perspective, it was probably moving past my two crappy $400 CL cards (Orchard and Credit One) and getting $4K Capital One and $3.5K credit union cards. It literally made me feel human again.
Message 9 of 79
Valued Contributor

Re: What was your 2009 Credit Card Shocker?

Well I got two shockers; finally getting my Discover Motiva card and AMEX Green card.

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 10 of 79