topic Re: My credit journey is completed (for now) in Credit Cards

My credit journey is completed (for now)

minipoly1 — Wed, 02 Oct 2013 03:07:22 GMT

Recently I was approved for 7.5K Amex BCE and 6.2K CSP.

Few days ago I did 61 days CLI and got counter offer of 17.6K

Today I requested for graduation of my BofA 99/500 and was approved with a CLI to 3K. Before SD'ed, I decided to PC it to Better Balance Rewards to take advantage of $120 statement credit per year.

I also requested CLI for my Discover IT. Was told it will be a HP. Decided to go ahead and approved for 3K too.

So start from Sep 2012 with a 99/500 BofA CashRewards, today I have 30K+ prime credit. I've been lurking around here for the last 6 months and your stories + advices helped me a lot. Thanks everyone.

My credit journey is completed for now. I will not apply anything until, who knows.

Re: My credit journey is completed (for now)

BearsAndTurtlesRtheBest — Wed, 02 Oct 2013 03:08:49 GMT

Thats fantastic!! Wow you did an excellent job congrats!!!

Re: My credit journey is completed (for now)

myjourney — Wed, 02 Oct 2013 03:10:20 GMT

@minipoly1 wrote:
Recently I was approved for 7.5K Amex BCE and 6.2K CSP.
Few days ago I did 61 days CLI and got counter offer of 17.6K

Today I requested for graduation of my BofA 99/500 and was approved with a CLI to 3K. Before SD'ed, I decided to PC it to Better Balance Rewards to take advantage of $120 statement credit per year.
I also requested CLI for my Discover IT. Was told it will be a HP. Decided to go ahead and approved for 3K too.

So start from Sep 2012 with a 99/500 BofA CashRewards, today I have 30K+ prime credit. I've been lurking around here for the last 6 months and your stories + advices helped me a lot. Thanks everyone.

My credit journey is completed for now. I will not apply anything until, who knows.

Congrats time to hit the garden

Re: My credit journey is completed (for now)

Anonymous — Wed, 02 Oct 2013 03:25:23 GMT

Nice going! Congratulations on a successful journey. Now's a good time to rest and enjoy the garden.

Re: My credit journey is completed (for now)

09Lexie — Wed, 02 Oct 2013 03:30:50 GMT

I enjoy reading success stories like yours! Congratulations on your achievement and come on over to the garden!

Re: My credit journey is completed (for now)

MsLadyRover — Wed, 02 Oct 2013 13:00:16 GMT

Congratulations OP! Great job!

Re: My credit journey is completed (for now)

goal_digger — Wed, 02 Oct 2013 14:40:37 GMT

Congrats OP!

If you wouldn't mind me asking, how long did you have the BOA secured card before apping for Discover and Amex? Also, what's your credit profile like? After 14 mos with BOA I would like to app a new card but will admit I'm a bit nervous ...

Re: My credit journey is completed (for now)

minipoly1 — Wed, 02 Oct 2013 15:33:07 GMT

@goal_digger wrote:
Congrats OP!

If you wouldn't mind me asking, how long did you have the BOA secured card before apping for Discover and Amex? Also, what's your credit profile like? After 14 mos with BOA I would like to app a new card but will admit I'm a bit nervous ...

I had BofA 99/500 back in Sep 2012. In March I applied for Discover IT and was approved for 1K. I applied for Amex in July and CSP in Aug.

Never had credit before Sep 2012, pefect history. Inquiry prior to Discover: TU 2 EX 1 EQ 0

Re: My credit journey is completed (for now)

Anonymous — Wed, 02 Oct 2013 15:39:12 GMT

Congrats!

Re: My credit journey is completed (for now)

goal_digger — Wed, 02 Oct 2013 16:30:07 GMT

ETA an actual response..

@minipoly1 wrote:
@goal_digger wrote:
Congrats OP!

If you wouldn't mind me asking, how long did you have the BOA secured card before apping for Discover and Amex? Also, what's your credit profile like? After 14 mos with BOA I would like to app a new card but will admit I'm a bit nervous ...
I had BofA 99/500 back in Sep 2012. In March I applied for Discover IT and was approved for 1K. I applied for Amex in July and CSP in Aug.
Never had credit before Sep 2012, pefect history. Inquiry prior to Discover: TU 2 EX 1 EQ 0

Thanks so much! This is such an inspiration. Congrats again!!

Re: My credit journey is completed (for now)

Anonymous — Wed, 02 Oct 2013 17:02:41 GMT

Congrats! BTW, you can't PC that BofA card into a better rewards card like 3-2-1 or 2X travel card so it has some usefulness? Also, does BofA have AF and, if so, can you PC to no AF card?

Re: My credit journey is completed (for now)

minipoly1 — Wed, 02 Oct 2013 18:45:26 GMT

@Anonymous wrote:
Congrats! BTW, you can't PC that BofA card into a better rewards card like 3-2-1 or 2X travel card so it has some usefulness? Also, does BofA have AF and, if so, can you PC to no AF card?

Actually my 99/500 BofA card is 123 Cash Rewards. Since I already have BCE with 3% on groceries, 2% of BofA123 is useless. And I had CSP so 2X travel card is not needed. I plan to put AT&T bill payment into it, let it report balance and PIF in order to get $120 / year.

BofA 99/500 has 39 AF but I requested this fee waived.