topic Excited!!! in Credit Card Approvals

Excited!!!

Anonymous — Thu, 02 May 2013 21:58:56 GMT

I just got my last paid medical collection removed about two weeks ago. Eq fico is at 686 and has 2 30 day lates from 2 and 6 yrs ago, the other two show those and a collection from last yr that I am working out a deal with the oc. oldest account is 9 yrs 10 months and aa is 5 yrs 8 months. util is about 68%

I wanted a card that only pulled from eq so yesterday I applied for the Soldiers' Angels USAA Rewards Platinum MasterCard, I got a 2 hr review notice. Today I login and I was approved for $4500 with 12 mos no interest!!! Currently my highest card only has a 500 cl so I was shocked, especially because I'm not even a USAA member

Re: Excited!!!

LS2982 — Thu, 02 May 2013 22:00:35 GMT

@Anonymous wrote:
I just got my last paid medical collection removed about two weeks ago. Eq fico is at 686 and has 2 30 day lates from 2 and 6 yrs ago, the other two show those and a collection from last yr that I am working out a deal with the oc. oldest account is 9 yrs 10 months and aa is 5 yrs 8 months. util is about 68%

I wanted a card that only pulled from eq so yesterday I applied for the Soldiers' Angels USAA Rewards Platinum MasterCard, I got a 2 hr review notice. Today I login and I was approved for $4500 with 12 mos no interest!!! Currently my highest card only has a 500 cl so I was shocked, especially because I'm not even a USAA member

CONGRATS!!!

Before you apply for anything else I wouls strongly advise yo uto lower that util. your risking denials.

Re: Excited!!!

myjourney — Thu, 02 May 2013 22:02:33 GMT

Congrats nice limit

Re: Excited!!!

Anonymous — Thu, 02 May 2013 22:13:14 GMT

Thanks! That was my next step but when the new card reports it should bring it down to around 25%

Re: Excited!!!

boomhower — Thu, 02 May 2013 22:43:01 GMT

@Anonymous wrote:
Thanks! That was my next step but when the new card reports it should bring it down to around 25%

That alone will give your score a shot in the arm. The new account will ding a bit but the utlility drop will more than counteract that.