topic Re: I think I have finally hit excellent credit! in Credit Card Applications

I think I have finally hit excellent credit!

belle6m2k — Thu, 12 May 2016 21:02:55 GMT

I recieved an pre qual app today from BOA for a mastercard with a 13.24%APR. I have never had an offer with this low of an APR. I started rebuilding credit in 2008 with numerous baddies (have all fallen off) and a low score of 500's. I am now at scores between 743-756, no lates since 2008, 18 accounts and a UTI of 23% (A bonus should be in my account tomorrow and then I can pay down my highest balance which will bring it under 10%). Its amazing what hard work, budgeting and time can accomplish. Now if I can just get and answer on my chase Disney app (20 days and counting, Robo lady still saying weeks) then I am gardening as I will have what I need. Next Spring new car with best interest rate I can get!

Re: I think I have finally hit excellent credit!

Anonymous — Thu, 12 May 2016 21:28:22 GMT

It's a great feeling. Well done!

Re: I think I have finally hit excellent credit!

iheartwings — Thu, 12 May 2016 21:43:37 GMT

Congratulations!

That's a great accomplishment.

Re: I think I have finally hit excellent credit!

Anonymous — Thu, 12 May 2016 22:13:43 GMT

congrats! You definitely have earned it!

Re: I think I have finally hit excellent credit!

Anonymous — Thu, 12 May 2016 22:15:14 GMT

Yes, a great feeling! Congrats on those scores!

Re: I think I have finally hit excellent credit!

credit_is_crack — Sat, 14 May 2016 04:08:52 GMT

@belle6m2k wrote:
I recieved an pre qual app today from BOA for a mastercard with a 13.24%APR. I have never had an offer with this low of an APR. I started rebuilding credit in 2008 with numerous baddies (have all fallen off) and a low score of 500's. I am now at scores between 743-756, no lates since 2008, 18 accounts and a UTI of 23% (A bonus should be in my account tomorrow and then I can pay down my highest balance which will bring it under 10%). Its amazing what hard work, budgeting and time can accomplish. Now if I can just get and answer on my chase Disney app (20 days and counting, Robo lady still saying weeks) then I am gardening as I will have what I need. Next Spring new car with best interest rate I can get!

Congrats on the milestone..almost makes you want to just head down to walgreens, buy a pack of gold star stickers, and wear 1 a day until they run out lol a sort of restrained jubilation

Re: I think I have finally hit excellent credit!

Anonymous — Sun, 15 May 2016 01:52:39 GMT

Congrats!!! That is awesome and def a great success story..