11-13-2012 07:36 PM
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 ).
11-13-2012 07:45 PM
11-13-2012 07:50 PM
11-14-2012 06:27 AM
I'd like to get that REI card someday. I heard they are a tough nut to crack w/ approvals
11-14-2012 03:46 PM
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO