Okay sdsoccerdad, you inspired me!
I know we got the second Navy cards at the same time in January and I had my 4th statement cut on the 10th of April. I have put about $200 or less on the new Go Rewards card and paid in full each month. I have $8K on my Cash Rewards (took advantage of the BT offer at 2.99% in January/February), pay $1500 a month on that and don';t have a balance on the CLOC.
I decided to go for it after your success today. SL was $5500, put in for the max and before I pushed the luv button, I had the call in queue to cancel the request if I got the 24 hour message. Instant increase to $22K, so I hung up lol!!
Thanks sdsoccerdad and thanks NFCU!!!
Chapter 7: Discharged November 2015
Total Revolving Credit Lines January 2016: $2600
Total Revolving Credit Lines January 2017: $138K
11/15 Fico 8: EQ-585, TU-550, EX- 551
01/17 Fico 8: EQ-695, TU-703, EX-673
03/17 Fico 8: EQ-694, TU-710, EX-678
Advantis CU Siggy Visa $25K, NFCU Cash Rewards Visa $4600> $22K, NFCU CLOC $15K, NFCU Go Rewards Visa $5,500>$22K, PenFed Promise Visa $10,500, PenFed Platinum Rewards Siggy Visa $5500, SPGVisa $4,500>$5250, Cap One Platinum $2K>$4K>$8K, Good Sam Visa $1800>$3300, Discover $1800>$2K>$2300>$2600, Lowe's $6K>$17K, Overstock $7K>$7300>$7700, Evine $1K>$5K>$6K, HSN $3750, PenFed Thrifty $500, Barclay's Hawaiian Airlines WEMC $2K, Williams-Sonoma Siggy Visa $5K., Amazon Store Card $1900. That's right...Credit One Visa is G-O-N-E!
@Anonymous wrote:Okay sdsoccerdad, you inspired me!
I know we got the second Navy cards at the same time in January and I had my 4th statement cut on the 10th of April. I have put about $200 or less on the new Go Rewards card and paid in full each month. I have $8K on my Cash Rewards (took advantage of the BT offer at 2.99% in January/February), pay $1500 a month on that and don';t have a balance on the CLOC.
I decided to go for it after your success today. SL was $5500, put in for the max and before I pushed the luv button, I had the call in queue to cancel the request if I got the 24 hour message. Instant increase to $22K, so I hung up lol!!
That's awesome Wade! Love the progress you've made from 1/16 to now. I'm hoping to achieve similar results. This morning I was actually hoping to get at least $18K like my Cash Rewards so I was extremely pleased to see the $22k approval. Do you plan on going for a 3rd card anytime soon?
@Anonymous wrote:So you guys aren't waiting for the AR?
I actually pushed the LUV button Saturday... Got the lovely 24 hour message. I believe it's because I'm only 87 days into my card - I got my math wrong. I got my card in January as well. It was approved on the 18th to be exact. I can almost guarantee the reason for denial will be too early, as they've told me that before.
Are you both past 90 days? Did you do it on the 91st day? LOL
Here is my timeline:
Apped and approved on 1/9/17. Was not approved immediately but received a text message 5 minutes after app that I was approved. I was on the phone ready to cancel my app but then the csr told me I had already been approved while at the same time I received the text.
I had my 4th statement (dunno how I had 4) cut on the 16th. I actually tried to do this yesterday morning but it said it needed a 24 hour review. I immediately called to cancel the request and csr confirmed they did not pull credit yet.
Woke up early this morning and tried the cli again and was immediately approved for $22k! I guess it was 98 days after checking my calendar.
Thanks sdsoccerdad!!
I vaguely remember that YOU are going to be the third card guinea pig lol!!
No, I'm actually not going to app for anything more and just garden for now. It's been a great year and so much more than I could have ever dreamed of doing with my credit rebuild. I was just waiting for the May AR at Navy but now I don't have to think about that! My plan is to just coast until the end of November when the Chapter 7 ages to 2 years (time flies)!
I'll be watching to see if you go for the third card or maybe peghede will do it lol!! I sure enjoy watching your progress and admire the way you're building your profile!
@Anonymous wrote:Thanks scsoccerdad!!
I vaguely remember that YOU are going to be the third card guinea pig lol!!
Oh yeah! I still want to do it but am chicken right now....The last card I want from NFCU would be the Flagship. I just dunno if I should wait a little longer before I app for it. I may be doing the same as you and hit the garden soon.
@sdsoccerdad, one thing we know, is that there will always be time to app lol!! I don't blame you, especially if you have your sights set on Chase anytime soon. Maybe pegheded will go for it and we can watch ha, ha!!
@lexguru, I was waiting for the fresh AR but decided to try. after sdscoccerdad's success.
My card was at 105 days and four statements. I'm prepared for the HP as it's the first CLI request on this card but it usually takes a day or two for me to get the 'good' news from My Fico updates....lol!!
@Anonymous wrote:@sdsoccerdad, one thing we know, is that there will always be time to app lol!! I don't blame you, especially if you have your sights set on Chase anytime soon. Maybe pegheded will go for it and we can watch ha, ha!!
Sounds good. Hopefully pegheded will do it and motivate us.
