topic Re: Success from these boards in Credit Card Approvals

Success from these boards

ptc — Sun, 08 Feb 2015 21:28:53 GMT

Long time lurker and first time poster. Over the last few years I have learned a lot from this board, and it has made a huge difference for me. Had to go BK7 in 08 due to business collapse in the recession. Went cash only until 2011, then started adding some rebuilder cards- Cap one $300 limit, cap one 1000 limit, barclays 1200 limit. Along this time my business that I had been working on began doing REALLY well. Income has grown substantially over the last 3 years, so many of my increases I have been able to do because of purchasing power and the ability to run a lot of money through cards. This really helped my Cap Ones (along with the EO) and I worked my limits on Cap One to $20,000 each card. Added a few other cards along the way, including a Spark Card (30,000 limit), and the flavor of the month Nasa (30k). Just got approved for a Delta Plat Amex a month ago (20,000 sl) and they found the member since date of 83 where I was an AU on my parents card- not reporting yet but should be a huge boost.

Today, after reading the Venture files, went and applied, even though I had been telling myself to keep CR as clean as possible for a boost on the Amex. $50k limit. Had wife apply (her credit has mirrored mine, and actually gotten better as I have tons of inquiries due to normal business accounts). She also got the $50k.

4 or 5 years ago when I was struggling to even pay for a tuna fish sandwich for dinner I would have never thought this was possible. Thank you to all who have contributed!

Re: Success from these boards

Anonymous — Sun, 08 Feb 2015 21:43:44 GMT

Big congratulations! We're all glad to have you in the forums.

Re: Success from these boards

Anonymous — Sun, 08 Feb 2015 21:50:48 GMT

Two $50000 limits in one household! Who says lightning doesn't strike twice?

Major congrats to you!! I can't even fathom a $50000 limit. Wowwww...

Anyway, welcome to the forum!

Re: Success from these boards

b_diddy — Sun, 08 Feb 2015 21:53:42 GMT

And, only a couple days ago there were so many $50k doubters. Congrats on your progress and success!

Re: Success from these boards

Aarvard — Sun, 08 Feb 2015 22:04:39 GMT

Congratulations on your approvals!

Let's think about the $50,000 cash advance

Re: Success from these boards

ptc — Sun, 08 Feb 2015 22:21:57 GMT

Should have listed some data points-

Fico's for both wife and I range in the 734-755 range.

I selected spend of 30,000/month in "average cc spend"

We selected I "often" carry a balance, although we don't

We selected we would like checks, and would be interested in balance transfers.

Re: Success from these boards

Anonymous — Sun, 08 Feb 2015 22:23:05 GMT

Congratulations! You've come a long way!

Re: Success from these boards

Anonymous — Sun, 08 Feb 2015 22:32:03 GMT

@ptc wrote:
Long time lurker and first time poster. Over the last few years I have learned a lot from this board, and it has made a huge difference for me. Had to go BK7 in 08 due to business collapse in the recession. Went cash only until 2011, then started adding some rebuilder cards- Cap one $300 limit, cap one 1000 limit, barclays 1200 limit. Along this time my business that I had been working on began doing REALLY well. Income has grown substantially over the last 3 years, so many of my increases I have been able to do because of purchasing power and the ability to run a lot of money through cards. This really helped my Cap Ones (along with the EO) and I worked my limits on Cap One to $20,000 each card. Added a few other cards along the way, including a Spark Card (30,000 limit), and the flavor of the month Nasa (30k). Just got approved for a Delta Plat Amex a month ago (20,000 sl) and they found the member since date of 83 where I was an AU on my parents card- not reporting yet but should be a huge boost.

Today, after reading the Venture files, went and applied, even though I had been telling myself to keep CR as clean as possible for a boost on the Amex. $50k limit. Had wife apply (her credit has mirrored mine, and actually gotten better as I have tons of inquiries due to normal business accounts). She also got the $50k.

4 or 5 years ago when I was struggling to even pay for a tuna fish sandwich for dinner I would have never thought this was possible. Thank you to all who have contributed!

Thanks for coming out of 'lurking' mode and sharing your story.

And a big congrats on the 100k in one day to you and the DW...Very Nice.

Re: Success from these boards

CreditCuriosity — Sun, 08 Feb 2015 22:59:55 GMT

nice...

Re: Success from these boards

Anonymous — Sun, 08 Feb 2015 23:03:24 GMT

Congrats .. But those approvals are just of the world.

Re: Success from these boards

Anomalous — Mon, 09 Feb 2015 00:04:36 GMT

WOW!! Congratulations!

Re: Success from these boards

AzaleaB — Mon, 09 Feb 2015 01:23:34 GMT

Wow! Great limit x 2! Congratulations!

Re: Success from these boards

Anonymous — Mon, 09 Feb 2015 04:32:26 GMT

Congratulations!

Re: Success from these boards

Anonymous — Mon, 09 Feb 2015 05:36:21 GMT

Congrats!

Re: Success from these boards

devineer1 — Mon, 09 Feb 2015 05:58:02 GMT

Congrats!!

Re: Success from these boards

uswala — Mon, 09 Feb 2015 17:49:04 GMT

Many congrats!