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Super Contributor
Posts: 5,759
Registered: ‎01-28-2008

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. 

Valued Contributor
Posts: 2,691
Registered: ‎07-29-2009

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.

Frequent Contributor
Posts: 449
Registered: ‎02-21-2009

Re: What was your 2009 Credit Card Shocker?

[ Edited ]

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
Regular Contributor
Posts: 201
Registered: ‎11-26-2007

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. 
Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009

Re: What was your 2009 Credit Card Shocker?

A BoA LOC of $26,500 being closed because they said I had enough credit.
Established Contributor
Posts: 517
Registered: ‎04-13-2009

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.
2011 Credit Goals
1. No Lates
2. Join the 700 club
3. No inquiries
Super Contributor
Posts: 6,028
Registered: ‎09-18-2007

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.
Senior Contributor
Posts: 4,301
Registered: ‎05-01-2008

Re: What was your 2009 Credit Card Shocker?

For 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: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Regular Contributor
Posts: 248
Registered: ‎09-04-2008

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.
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008

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

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