I started rebuilding 40 monts ago. I was AU on my wifes Sears MC (CITI), the ony card she had left.
My first app was a US Bank secured card. Denied!!
3 secured cards followed in the next year, Then some store cards in the following year.
I got 2 major cards from HSBC and Capital One after having their secured cards for about 1.5 years each.
I have be declined for 3 major cards with other banks this year. But, just recently got some store cards with big limits.
Today I recieved my first major card not preceded by a secured card. It is a cobranded REI Visa from US Bank $4500 CL. ( come full circle).
So I am claiming victory in my journey to primeville.
P.S. Same day's mail had another AMEX green card invitaion ( in the shredder ).
I'd like to get that REI card someday. I heard they are a tough nut to crack w/ approvals
I was declined for it early last year.
If it ever gets upgraded to Signature card, then that will be a another big milestone. Maybe in a few years, when the negatives drop off my report.