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BB&T Spectrum Business Approved $15,000.00

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Regular Contributor

BB&T Spectrum Business Approved $15,000.00

I got confirmation this morning that my last and final app for 2020 was approved.

 

I got the BB&T business spectrum with 9 months @ 0%. I would recommend if you have a business and live within their area to give it a shot. I did a soft pull prequalify for the normal BBT and figured since they were showing 3 normal cards, I would most likely qualify for the business version.  Only difference is the limit is probably much higher than the normal would have been.

 

If I can do this, anyone can. Last year I had 1 unsecured credit card with a $300.00 limit. I became addicted to the forums and have probably read over 3000 posts.. It took some time but in the end my life will be dramatically different as a result of the people here. Thank you all.

 

Here is the list of the cards I picked up since my rebuild and the order in which i received them.

 

11/18 Capital one QS1 $300.00 Triple pull

8/19 Apple Card $8,500.00 Transunion Pull

9/19 Regions Business Enhanced Visa $10,000.00 Transunion Pull

9/19 Regions Prestige $5,500.00 Transunion Pull (Personal Card)

9/19 American Express Business Gold NPSL Experian Pull

9/19 American Express Hhonrs $2,000.00 Experian Pull (Personal Card)

9/19 American Express Everyday $1,000.00 Experian Pull (Personal Card)

11/15/2020 Synovus Business rewards $20,000.00 Equifax Pull

11/17/2020 BBT Business Spectrum $15,000.00 Equifax Pull

 

(You can see the difference between personal accounts and business.. I don't see the need to focus on personal cards at all.. )

 

All three bureaus are now frozen :-)

 

 

 

 

 

Last Inquiry 1/16/2020 (BBT Bright Business Visa $15,000.00)
Fico Score Progression :
10/1/2018 EQ 530 TU 535 EX 540
2/6/2020 EQ 736 TU 736 EX 721
In the garden till 11/1/2020
Message 1 of 18
17 REPLIES 17
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Super Contributor

Re: BB&T Spectrum Business Approved $15,000.00

Congratulations on your approval!
Message 2 of 18
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Senior Contributor

Re: BB&T Spectrum Business Approved $15,000.00

Well YAY!  You're right; you're set...congrats all the way around!

I don't remember if you put this in your previous post but I'm curious as to what the apr% were on the 3 personal.  Do you remember?

"America was not built on fear. America was built on courage, on imagination and an unbeatable determination to do the job at hand." --Harry S Truman

"The future doesn't belong to the fainthearted; it belongs to the brave." - Ronald Reagan

“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.”
— Marie Curie
Message 3 of 18
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Valued Contributor

Re: BB&T Spectrum Business Approved $15,000.00

Congrats on your recent success!

 

I was curious and don't recall reading it elsewhere, are you PGing these or are the INQ only from BIZ CR?

Just wondering since your BIZ SL seem much higher then on personal side. 






Message 4 of 18
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Valued Contributor

Re: BB&T Spectrum Business Approved $15,000.00


@tparks5961 wrote:

... I would recommend if you have a business and live within their area ...


Can this card only be gotten in-branch? Can you talk about the "process" you went through?

The DPs are excellent -- thank you. Congrats! on getting a very nice SL. 

 

PS: 11/2020 is still 10 months away. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (03/3/2020): FICO 08 EXP: 749; TU: 758; EQ: 761
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 5 of 18
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Contributor

Re: BB&T Spectrum Business Approved $15,000.00


@James_A wrote:

@tparks5961 wrote:

... I would recommend if you have a business and live within their area ...


Can this card only be gotten in-branch? Can you talk about the "process" you went through?

The DPs are excellent -- thank you. Congrats! on getting a very nice SL. 

 

PS: 11/2020 is still 10 months away. 


X2

 

Also - Anyone know if BBT reports to personal credit?

Fico 8 Scores 10-7-19
Message 6 of 18
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Established Member

Re: BB&T Spectrum Business Approved $15,000.00


@Janus wrote:

Congrats on your recent success!

 

I was curious and don't recall reading it elsewhere, are you PGing these or are the INQ only from BIZ CR?

Just wondering since your BIZ SL seem much higher then on personal side. 


You will have to PG all business credit cards from a bank,unless your business is doing astounding numbers in revenue. The no PG deal that's running rampant on the internet is for people who want to open multiple net 30 accounts and spend enormous amounts of money on unneeded products. To obtain a Sam's club,Home depot card etc with no PG.

Message 7 of 18
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Super Contributor

Re: BB&T Spectrum Business Approved $15,000.00

Nice $15K SCL   ..Congratulations!

Message 8 of 18
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Regular Contributor

Re: BB&T Spectrum Business Approved $15,000.00

My Apr on the business card is 16.74%. I dont remember if they showed me an interest rate on the personal cards. 

I did have to sign a PG and I don't believe it shows up on my personal report.

Last Inquiry 1/16/2020 (BBT Bright Business Visa $15,000.00)
Fico Score Progression :
10/1/2018 EQ 530 TU 535 EX 540
2/6/2020 EQ 736 TU 736 EX 721
In the garden till 11/1/2020
Message 9 of 18
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Regular Contributor

Re: BB&T Spectrum Business Approved $15,000.00


@WayneSki wrote:

@Janus wrote:

Congrats on your recent success!

 

I was curious and don't recall reading it elsewhere, are you PGing these or are the INQ only from BIZ CR?

Just wondering since your BIZ SL seem much higher then on personal side. 


All business credit cards are going to require a PG unless you company has astounding revenue. This NO PG/net 30 info that's running rampant on the internet, is costing people enormous amounts of money buying products they dont need. Just for the end game of getting a Sam's club/Home depot card etc NO PG.


Wayne, there are several other products available at NO PG in the business world. Perhaps, to you, they seem insignificant or irrelevent. For others, well, it is their prerogative - just as much as it is your choice to PG everything. I am hopeful that many who have gone down the NO PG/Net 30 road are making fiscally responsible choices, but in the end it is their choice.

 

Oh, and OP - congrats on the awesome SL and new tradeline! 






Message 10 of 18
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