topic Re: Unsecured my Visa today and... in Credit Cards

Unsecured my Visa today and...

StartinOver — Tue, 26 Apr 2011 05:27:45 GMT

Been working on my credit a long time. Just recently it got good enough for a mortgage, almost ready to close, lender did last pull today.

I immediately call CU #1 and applied for regular Visa because I wanted to get my $1100 back from my secured & a higher CL. They said I was in A category, eligible for 8.79 with $8,000 limit - yeah! when I got my secured card 16 months ago my score was 525.

Then called my new CU I joined thru new job 5 months ago. Said I was elible for 4.99, i think, and tomorrow I'll find out if I get the requested $10,000 limit.

Wow, 770 score really opens doors! That's it. I don't need any more cards. No more obsessing over my scores either, just monitoring a few times a year.

Re: Unsecured my Visa today and...

Datx — Tue, 26 Apr 2011 13:03:55 GMT

Wow, that really is awesome. Always great to hear stories like these. Thanks for sharing and congrats!

Re: Unsecured my Visa today and...

vish1 — Tue, 26 Apr 2011 14:23:09 GMT

@StartinOver wrote:
Been working on my credit a long time. Just recently it got good enough for a mortgage, almost ready to close, lender did last pull today.

I immediately call CU #1 and applied for regular Visa because I wanted to get my $1100 back from my secured & a higher CL. They said I was in A category, eligible for 8.79 with $8,000 limit - yeah! when I got my secured card 16 months ago my score was 525.

Then called my new CU I joined thru new job 5 months ago. Said I was elible for 4.99, i think, and tomorrow I'll find out if I get the requested $10,000 limit.

Wow, 770 score really opens doors! That's it. I don't need any more cards. No more obsessing over my scores either, just monitoring a few times a year.

Congrats. You have beaten me on CLI at unsecure. My BofA secured went to 7500 unsecured from 500 secured. You got 8k unsecured.

Way to go...

Well, now I have to keep myself happy so I will remind myself that though I got less CL than you did, I got it CLIed to 10k in about a month.

Re: Unsecured my Visa today and...

StartinOver — Fri, 06 May 2011 04:58:47 GMT

so we both had a $7000 increase

Re: Unsecured my Visa today and...

visorboy1974 — Fri, 06 May 2011 05:15:02 GMT

Definitely nothing to sneeze at. Great job!

Re: Unsecured my Visa today and...

vish1 — Fri, 06 May 2011 12:40:44 GMT

@StartinOver wrote:
so we both had a $7000 increase

Well, in a way yes. But I tend to count it like you got 8000 and I got 7500 CLI as I believe we had no credit from the bank (500/1100 was our money, not what bank trusted us with).

That aside, congrats on a job well done. Another proof of the fact that good track record even if its short can reap some good rewards.