topic Re: Left garden -- approvals!!! in Credit Cards

Left garden -- approvals!!!

Anonymous — Sat, 25 Aug 2012 00:50:45 GMT

Happy dance!!!

After two years of credit rebuilding, and 10 continuous months of gardening, my credit reports and scores were finally where I wanted them to be. So, I bade farewell to the garden and went forth to app. And, I went four for four, with the following results:

Discover - $2000

BoA Cash Rewards for UCF Alumni Association - $5000

Citi Diamond Preferred - $6800

(ETA) Wells Fargo Rewards - $7000

(ETA) So basically, I got EVERYTHING that I've been wanting for the last couple of years!

I'm floored! I was hoping to get in with the above, but I'm thrilled at the starting CLs of the last two. I've gone from having subprime crud two years ago, to this!!!

Thanks to everyone on these forums for all of the advice, knowledge and emotional support. It's been tough rebuilding, but I've finally made it. My scores are respectable and I'm creditworthy once again. In all honesty, this forum has been a life changer. Thank you so much for helping me to get my credit on track!!! I'm a myFICO success story!!!!!

And one other note to folks who are rebuilding their credit -- gardening works! I was flat out denied for BoA and Citi 10 months ago. Patience pays!

Re: Left garden -- approvals!!!

Anonymous — Fri, 24 Aug 2012 23:31:55 GMT

grats...

Re: Left garden -- approvals!!!

Anonymous — Fri, 24 Aug 2012 23:33:29 GMT

Yeah! Congratulations!

Re: Left garden -- approvals!!!

MsLadyRover — Fri, 24 Aug 2012 23:40:40 GMT

CONGRATULATIONS!! I am so very happy for you tinuviel!!

Re: Left garden -- approvals!!!

emptypockets — Fri, 24 Aug 2012 23:50:57 GMT

That's great!! Congrats on the approvals! It feels great to finally know you can/will be approved when you app for something.

Re: Left garden -- approvals!!!

CribDuchess — Fri, 24 Aug 2012 23:49:44 GMT

Those are some beautiful seedlings that you just picked up! So very happy for you! Congratulations!!

Re: Left garden -- approvals!!!

crunching_numbers — Fri, 24 Aug 2012 23:51:10 GMT

Great news! Glad you got what you wanted.

Re: Left garden -- approvals!!!

jsucool76 — Fri, 24 Aug 2012 23:54:05 GMT

@Anonymous wrote:
Happy dance!!!

After two years of credit rebuilding, and 10 continuous months of gardening, my credit reports and scores were finally where I wanted them to be. So, I bade farewell to the garden and went forth to app. And, I went three for three, with the following results:

Discover - $2000
BoA Cash Rewards for UCF Alumni Association - $5000
Citi Diamond Preferred - $6800

I'm floored! I was hoping to get in with the above, but I'm thrilled at the starting CLs of the last two. I've gone from having subprime crud two years ago, to this!!!

Thanks to everyone on these forums for all of the advice, knowledge and emotional support. It's been tough rebuilding, but I've finally made it. My scores are respectable and I'm creditworthy once again. In all honesty, this forum has been a life changer. Thank you so much for helping me to get my credit on track!!! I'm a myFICO success story!!!!!

And one other note to folks who are rebuilding their credit -- gardening works! I was flat out denied for the last two cards 10 months ago. Patience pays!

Congrats...although...

Gators > Knights

My message to you from Gainesville, the heart of gator nation

Re: Left garden -- approvals!!!

Anonymous — Fri, 24 Aug 2012 23:59:38 GMT

Thanks, everyone, for your kind words. Once again, the support on this forum is wonderful.

I'm trying to decide on whether or not to finish up by apping for a Wells Fargo card. I bank with WF, but the rewards on the BoA card are much better, and they help support my alum association. I got the Citi because I wanted a prime MC in my wallet. And, the Discover has good returns on the bonus categories, plus it rounds out my collection; I have an Amex charge card already, so this gives me a prime card for each network. If I got the WF card, I could link it to my checking account for OD protection, although I already link to my savings for that. Still thinking about it...

At any rate... I'M SO HAPPY to be past the rebuilding phase, gone from subprimeland and into primeville! It feels absolutely wonderful to see a card that you want and get approved for it, instead of just settling for whatever is offered (Cap1, Orchard, FP, etc). Those days are finally behind me!

Re: Left garden -- approvals!!!

Anonymous — Sat, 25 Aug 2012 00:01:13 GMT

@jsucool76 wrote:

Congrats...although...

Gators > Knights

My message to you from Gainesville, the heart of gator nation

Go Knights!!!

Re: Left garden -- approvals!!!

Anonymous — Sat, 25 Aug 2012 00:10:53 GMT

Ok, I went for it. I really wanted to round things out. I apped for the WF Rewards Visa, and got approved with a CL of $7000!!!!

WOW!!!

Re: Left garden -- approvals!!!

jsucool76 — Sat, 25 Aug 2012 00:18:39 GMT

@Anonymous wrote:
Ok, I went for it. I really wanted to round things out. I apped for the WF Rewards Visa, and got approved with a CL of $7000!!!!

WOW!!!

Nice!

How are the rewards on that card. I already have a card with them so in the future I'd like to get one of their non-student "better" cards.

Re: Left garden -- approvals!!!

Anonymous — Sat, 25 Aug 2012 00:20:42 GMT

@jsucool76 wrote:
@Anonymous wrote:
Ok, I went for it. I really wanted to round things out. I apped for the WF Rewards Visa, and got approved with a CL of $7000!!!!

WOW!!!
Nice!

How are the rewards on that card. I already have a card with them so in the future I'd like to get one of their non-student "better" cards.

Well, it's a points based rewards system. They sent me a prequalified offer, and I was too chicken to try for the cash back card instead. I don't expect to give it heavy usage in any case, as I'll be getting better rewards with BoA. I just wanted to be able to link it to my checking for OD protection, so I'll just use it lightly to keep it active.

Re: Left garden -- approvals!!!

MsLadyRover — Sat, 25 Aug 2012 00:20:53 GMT

@Anonymous wrote:
Ok, I went for it. I really wanted to round things out. I apped for the WF Rewards Visa, and got approved with a CL of $7000!!!!

WOW!!!

That's terrific!! You are really on a roll!! Congrats again!!

Re: Left garden -- approvals!!!

jsucool76 — Sat, 25 Aug 2012 00:27:12 GMT

@Anonymous wrote:
@jsucool76 wrote:
@Anonymous wrote:
Ok, I went for it. I really wanted to round things out. I apped for the WF Rewards Visa, and got approved with a CL of $7000!!!!

WOW!!!
Nice!

How are the rewards on that card. I already have a card with them so in the future I'd like to get one of their non-student "better" cards.

Well, it's a points based rewards system. They sent me a prequalified offer, and I was too chicken to try for the cash back card instead. I don't expect to give it heavy usage in any case, as I'll be getting better rewards with BoA. I just wanted to be able to link it to my checking for OD protection, so I'll just use it lightly to keep it active.

Little hint, at least for my checking account with them, you still get charged an OD fee even if you link your credit card. It is less expensive (I think $12.50 as opposed to $35) however they still do make you pay for it. It's a little ridiculous.

Re: Left garden -- approvals!!!

Anonymous — Sat, 25 Aug 2012 00:29:16 GMT

@jsucool76 wrote:
@Anonymous wrote:
@jsucool76 wrote:
@Anonymous wrote:
Ok, I went for it. I really wanted to round things out. I apped for the WF Rewards Visa, and got approved with a CL of $7000!!!!

WOW!!!
Nice!

How are the rewards on that card. I already have a card with them so in the future I'd like to get one of their non-student "better" cards.

Well, it's a points based rewards system. They sent me a prequalified offer, and I was too chicken to try for the cash back card instead. I don't expect to give it heavy usage in any case, as I'll be getting better rewards with BoA. I just wanted to be able to link it to my checking for OD protection, so I'll just use it lightly to keep it active.

Little hint, at least for my checking account with them, you still get charged an OD fee even if you link your credit card. It is less expensive (I think $12.50 as opposed to $35) however they still do make you pay for it. It's a little ridiculous.

It's the same fee as linking my savings to my checking. I haven't had to use it, as I've been doing a good job of maintaining my checkbook. But, it gives me peace of mind in case an "ooops" happens. I prefer to know that things are covered if a mistake happens.

Re: Left garden -- approvals!!!

jsucool76 — Sat, 25 Aug 2012 00:31:29 GMT

They charge you to use your own savings account as OD protection? Damn, they're crazy...that is why I never use my WF account except to pay my WF CC bill.

Re: Left garden -- approvals!!!

Anonymous — Sat, 25 Aug 2012 00:44:36 GMT

Hooray, that is SUCH a great feeling!! All your hard work paid off!

Re: Left garden -- approvals!!!

webhopper — Sat, 25 Aug 2012 01:15:03 GMT

Congrats! Nice app spree!

Re: Left garden -- approvals!!!

TNTransplant — Sat, 25 Aug 2012 01:18:00 GMT

Awesome news, tinu!!!

Your dedication to gardening has really paid off - congrats to you on the great cards!