topic Re: AAA Travel Advantage Visa Signature | Bread Financial Approval in Credit Card Approvals

AAA Travel Advantage Visa Signature | Bread Financial Approval

Mike1014805 — Fri, 25 Apr 2025 04:03:30 GMT

So I decided to do a double pull after just getting approved for the Capital One Savor One Credit Card. I was pre-approved for this card back in March, but never actually applied for it. Well, I pulled the trigger since I already had a new inquiry from Capital One anyway, and turns out I was still pre-approved in their system and got an instant approval. I was approved for $2300 and Bread Financial gave me a Temporary Credit Card that I was able to add to my Google Wallet and also register my account online as well. I did get a little greedy and immediately asked for a CLI on this card just to see, and I was instantly shot down and given the "we need to examine your account more to see if you qualify. Expect a letter within 7 - 10 Business Days from us."

Anyway they pulled Equifax for me and my score was a 709

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

Varsity_Lu — Fri, 25 Apr 2025 19:37:35 GMT

Congrats. I am looking into this card myself. I haven't made up my mind yet. What are your data points? How many eew accounts and inquiries when applying?

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

Mike1014805 — Fri, 25 Apr 2025 20:25:46 GMT

@Varsity_Lu wrote:
Congrats. I am looking into this card myself. I haven't made up my mind yet. What are your data points? How many eew accounts and inquiries when applying?

So here are my data points, and apparently I'm an "oddity" in this compared to everyone else in my situation. I filed for BK7 in February 2024 (medical debt, burned all the major banks, including Capital One). I was dicharged in May 2024. I figured since my credit was shot anyway, might as well try and get approved for what I can, even if I end up closing them after 1 year. I'm planning on closing the store cards and consolodating my other cards. But I went from a 529 Fico Score in April 2024 to a 709 Score in April 2024 because of this.

Since discharge I've opened the following accounts:

Mission Lane Visa
Merrick Bank Double Your Line Mastercard
Ally Everyday Cashback
Mercury Visa
Petco Store Card
Kohls Store Card
Capital One Quicksilver For Good Credit
Burlington Store Card
Dell Financial Charge Account
Petal 1 Visa (Closed Account)
Paypal Cashback Mastercard
TD Bank Cash Visa
TD Bank Double Cash Visa
Capital One Savor For Good Credit
AAA Travel Visa

My credit score at time of Approval: 709

My Total Inquiries: 17

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

Varsity_Lu — Fri, 25 Apr 2025 21:07:55 GMT

@Mike1014805

Holy smokes! That's a lot of cards! But good for you! Seriously. That's bold.

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

Mike1014805 — Fri, 25 Apr 2025 21:13:34 GMT

@Varsity_Lu wrote:
@Mike1014805

Holy smokes! That's a lot of cards! But good for you! Seriously. That's bold.

Yeah, I'm not planning on keeping a majority of them open. I simply did it to increase my credit score, and it worked. Like I plan on closing all of the store cards and the subprime cards. Once they reach 1 year in history, they're gone. And now that I have the Savor from CO and AAA from Bread, I'm going to "garden" for the next 2 years so the inquiries can fall off.

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

chamathkari — Fri, 25 Apr 2025 23:04:46 GMT

Congratulations on your Approval.

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

Varsity_Lu — Sat, 26 Apr 2025 00:56:04 GMT

OP, you could reduce down to Ally, Savor, and AAA and have a pretty good set right there. How does the Ally card work? I thought they sold of their credit card division? Will it be changing?

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

CreditMagic7 — Sat, 26 Apr 2025 01:22:24 GMT

Congrats on your AAA Advantage Approval!

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

CreditAggie — Mon, 28 Apr 2025 00:28:27 GMT

Congratulations on your AAA approval!

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

cashorcharge — Mon, 28 Apr 2025 19:13:06 GMT

Nicely done!! Congratulations on your Approval!!👏🏼🍾🥂

Re: AAA Travel Advantage Visa Signature | Bread Financial Approval

Zoostation1 — Tue, 29 Apr 2025 03:59:57 GMT

Congrats on the approval! I'd suggest not applying for anything else for a while and let those inquiries age.