topic Re: Rebuild 100% complete, $300k barrier broke! in Credit Card Approvals

Rebuild 100% complete, $300k barrier broke!

AverageJoesCredit — Sun, 16 Jan 2022 15:08:44 GMT

Well what can i say? This approval might be my happiest of the last 7 years that ive been rebuilding my credit. Went bk back in 07 but didnt start rebuilding until maybe 8 /9 years after due to not knowing you could get credit after bk discharge. Duh!

So Sunday i decided to try again for a cc from my local bank of 20+ years Banco Popular. Ive been blacklisted hard since bk, harder than Amex, Citi etc, and they were the only FI i could not get back in with. Mind you, their cards arent great but rhat wasnt the point. To get back in not only would complete my rebuild but maybe open up avenues for other help if i ever needed , ie loans etc ( i hope) ive wasted many a hp to get zilch lol.

Filled in app, which went smoothly. Monday morning received a hp on TU and a phone call about 9 :30 am. I usually dont pick up #s i dont know but since i know i applied for credit could be them. Verified some personal info, i have a fraud alert, and somewhere in that convo, i heard approved.uhm what? APPROVED. Limit is $1700 but i dont care ( with my current debt im suprised not to get $200 haha) lol Mission accomplished😊

Card is on the way woo hoo , already in my home account. Comes with a 6 month 1.99 apr purchase promo and $50 SUB for $1k spend in 3 months. Earns 1.5 % cashback. Meh, but not the point haha!. Everyone knows i was short $76 to break $300k in credit and with this approval that pushes me to $301,624 in credit available. When i got off the phone my coworker asked why i was so giddy, i just said Im BACK ....with a bank im not too fond of lol. Thanks everybody been quite the journey. AJC

Additional dps. 756 TU 15 hps

Re: Rebuild 100% complete, $300k barrier broke!

Red1Blue — Sun, 16 Jan 2022 15:13:47 GMT

Congrats AJC

Re: Rebuild 100% complete, $300k barrier broke!

odd_dog — Sun, 16 Jan 2022 15:34:00 GMT

I LOVE it when the good guys win!!! Congrats bro!!

Re: Rebuild 100% complete, $300k barrier broke!

coldfusion — Sun, 16 Jan 2022 15:42:35 GMT

Hey, congrats on getting yourself back in with them and reaching the $300K milestone. I remember you commenting before how you had been on the outs with them and it's always good to have local options.

I do have a card with them (Banco Popular de Puerto Rico, not the US based business unit operating as Popular Bank) and always found them pleasant to deal with on the phone.

Re: Rebuild 100% complete, $300k barrier broke!

CreditAggie — Sun, 16 Jan 2022 15:48:10 GMT

Congratulations on your Banco Popular approval and $300K TCL!

Re: Rebuild 100% complete, $300k barrier broke!

Reviewers — Sun, 16 Jan 2022 16:01:43 GMT

Congratulations!

Re: Rebuild 100% complete, $300k barrier broke!

mgood — Fri, 21 Jan 2022 07:05:54 GMT

Congrats! Accomplished two goals with one app? Broke $300k and got back in with your bank you've been trying to get in with?

Re: Rebuild 100% complete, $300k barrier broke!

gdale6 — Sun, 16 Jan 2022 16:12:00 GMT

Grats to accomplishing your rebuild goals

Re: Rebuild 100% complete, $300k barrier broke!

Papa_Bear — Sun, 16 Jan 2022 16:18:22 GMT

Congratulations!

Re: Rebuild 100% complete, $300k barrier broke!

SUPERSQUID — Fri, 21 Jan 2022 07:05:17 GMT

Re: Rebuild 100% complete, $300k barrier broke!

bizarrocreditworld — Sun, 16 Jan 2022 16:37:23 GMT

@AverageJoesCredit wrote:
Well what can i say? This approval might be my happiest of the last 7 years that ive been rebuilding my credit. Went bk back in 07 but didnt start rebuilding until maybe 8 /9 years after due to not knowing you could get credit after bk discharge. Duh!

So Sunday i decided to try again for a cc from my local bank of 20+ years Banco Popular. Ive been blacklisted hard since bk, harder than Amex, Citi etc, and they were the only FI i could not get back in with. Mind you, their cards arent great but rhat wasnt the point. To get back in not only would complete my rebuild but maybe open up avenues for other help if i ever needed , ie loans etc ( i hope) ive wasted many a hp to get zilch lol.

Filled in app, which went smoothly. Monday morning received a hp on TU and a phone call about 9 :30 am. I usually dont pick up #s i dont know but since i know i applied for credit could be them. Verified some personal info, i have a fraud alert, and somewhere in that convo, i heard approved.uhm what? APPROVED. Limit is $1700 but i dont care ( with my current debt im suprised not to get $200 haha) lol Mission accomplished😊

Card is on the way woo hoo , already in my home account. Comes with a 6 month 1.99 apr purchase promo and $50 SUB for $1k spend in 3 months. Earns 1.5 % cashback. Meh, but not the point haha!. Everyone knows i was short $76 to break $300k in credit and with this approval that pushes me to $301,624 in credit available. When i got off the phone my coworker asked why i was so giddy, i just said Im BACK ....with a bank im not too fond of lol. Thanks everybody been quite the journey. AJC

Additional dps. 756 TU 15 hps

I agree with @odd_dog , I love it when the good guys win. I love it even more when it's one of the people I admire on here. Way to go, AJC.

Re: Rebuild 100% complete, $300k barrier broke!

cashorcharge — Sun, 16 Jan 2022 17:01:27 GMT

Outstanding @AverageJoesCredit !! Congratulations on your achievements and your new Approval!! 🎉🥂👏

Re: Rebuild 100% complete, $300k barrier broke!

gingerflower — Sun, 16 Jan 2022 17:14:17 GMT

Big Congratulations on your Cc approval! 👍

Re: Rebuild 100% complete, $300k barrier broke!

Hex — Sun, 16 Jan 2022 19:11:54 GMT

JOE!!!!!!!

That's wonderful -I'm so happy for you!!! You've done more than you know to help members of the community here and you absolutely deserve to celebrate your accomplishments. Congratulations and thank you for everything. 😃

Re: Rebuild 100% complete, $300k barrier broke!

SPChaser — Sun, 16 Jan 2022 19:12:08 GMT

Congrats on your much deserved and earned success!

Re: Rebuild 100% complete, $300k barrier broke!

SouthJamaica — Sun, 16 Jan 2022 19:23:12 GMT

@AverageJoesCredit wrote:
Well what can i say? This approval might be my happiest of the last 7 years that ive been rebuilding my credit. Went bk back in 07 but didnt start rebuilding until maybe 8 /9 years after due to not knowing you could get credit after bk discharge. Duh!

So Sunday i decided to try again for a cc from my local bank of 20+ years Banco Popular. Ive been blacklisted hard since bk, harder than Amex, Citi etc, and they were the only FI i could not get back in with. Mind you, their cards arent great but rhat wasnt the point. To get back in not only would complete my rebuild but maybe open up avenues for other help if i ever needed , ie loans etc ( i hope) ive wasted many a hp to get zilch lol.

Filled in app, which went smoothly. Monday morning received a hp on TU and a phone call about 9 :30 am. I usually dont pick up #s i dont know but since i know i applied for credit could be them. Verified some personal info, i have a fraud alert, and somewhere in that convo, i heard approved.uhm what? APPROVED. Limit is $1700 but i dont care ( with my current debt im suprised not to get $200 haha) lol Mission accomplished😊

Card is on the way woo hoo , already in my home account. Comes with a 6 month 1.99 apr purchase promo and $50 SUB for $1k spend in 3 months. Earns 1.5 % cashback. Meh, but not the point haha!. Everyone knows i was short $76 to break $300k in credit and with this approval that pushes me to $301,624 in credit available. When i got off the phone my coworker asked why i was so giddy, i just said Im BACK ....with a bank im not too fond of lol. Thanks everybody been quite the journey. AJC

Additional dps. 756 TU 15 hps

Congratulations AJC. Way to go. I guess now you can comfortably relax in the garden.

Re: Rebuild 100% complete, $300k barrier broke!

AverageJoesCredit — Sun, 16 Jan 2022 19:46:18 GMT

@odd_dog wrote:
I LOVE it when the good guys win!!! Congrats bro!!

Haha thanks my friend good to see the ol' dog is still lurking

Re: Rebuild 100% complete, $300k barrier broke!

AverageJoesCredit — Sun, 16 Jan 2022 19:48:45 GMT

@coldfusion wrote:
Hey, congrats on getting yourself back in with them and reaching the $300K milestone. I remember you commenting before how you had been on the outs with them and it's always good to have local options.

I do have a card with them (Banco Popular de Puerto Rico, not the US based business unit operating as Popular Bank) and always found them pleasant to deal with on the phone.

Thanks @coldfusion . Yeah, actually they are pretty good on the phone. Because they are so prevalent here i use them since they own most ATHs or ATMs for you stateside folk lol . I guess my bad feelings are left over from all those rejections but i can understand their reluctance

Re: Rebuild 100% complete, $300k barrier broke!

AverageJoesCredit — Fri, 21 Jan 2022 07:06:37 GMT

@mgood wrote:
Congrats! Accomplished two goals with one app? Broke $300k and got back in with your bank you've been trying to get in with?

Lol ! Party Time ! EXCELLENT 😁

Re: Rebuild 100% complete, $300k barrier broke!

AverageJoesCredit — Sun, 16 Jan 2022 19:51:09 GMT

@gdale6 wrote:
Grats to accomplishing your rebuild goals

Thanks @gdale6