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A Pretty Good Start to the Year.

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Regular Contributor

A Pretty Good Start to the Year.

I've been laying low with the apps for a bit, not exactly gardening just had no justifiable reason to apply. My laptop had been in the process of crapping the bed and after getting fed up I went shopping for a new one. Found one at Best Buy and while deciding which card to put it one I looked at their card and it's financing options looked decent. Apped and was given the the options between the store card and the VISA version. Instant approval for 4K.

 

Checked the mail box tonight and found a pre-qual letter from BBVA Compass. I did the usual research and decided to try my luck. Instant approval for 6.6K. My highest SL to date!

Message 1 of 11
10 REPLIES 10
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Valued Contributor

Re: A Pretty Good Start to the Year.

Congrats on both approvals!  Did you choose the visa or store version of Best Buy?


Message 2 of 11
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Community Leader
Senior Contributor

Re: A Pretty Good Start to the Year.

Congrats on both! Enjoy your new laptop as well!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 11
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Community Leader
Mega Contributor

Re: A Pretty Good Start to the Year.

I hope you chose the store cardSmiley Wink lol, not!

Big congrats, looks like BBVA. Is the fotm for JanuarySmiley Happy
Message 4 of 11
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Senior Contributor

Re: A Pretty Good Start to the Year.

Congrats on both approvals !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 11
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Senior Contributor

Re: A Pretty Good Start to the Year.

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 6 of 11
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Valued Contributor

Re: A Pretty Good Start to the Year.


@RedBeard44 wrote:

I've been laying low with the apps for a bit, not exactly gardening just had no justifiable reason to apply. My laptop had been in the process of crapping the bed and after getting fed up I went shopping for a new one. Found one at Best Buy and while deciding which card to put it one I looked at their card and it's financing options looked decent. Apped and was given the the options between the store card and the VISA version. Instant approval for 4K.

 

Checked the mail box tonight and found a pre-qual letter from BBVA Compass. I did the usual research and decided to try my luck. Instant approval for 6.6K. My highest SL to date!


 

Congrats on yor approvals and new laptop!

 

"crapping the bed"

Hate it when that happen!  Smiley Happy

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2020: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $277K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 7 of 11
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Established Contributor

Re: A Pretty Good Start to the Year.

Congratulations on your approval!  Nice!!

November 2020: Experian 687 Equifax 683 Transunion 698


Cards I Have:
Cap One QS: $600
Cap One QS1: $2,600
Discover It: $2,900
Cap One Walmart: $600
AMEX BCE: $1,000
Amazon Prime Store Card: $2,000
Overstock Store Card: $3,050

Wishlist Cards:
Citi Double Cash
Paypal Mastercard
Discover Cash Back
Cap One Savor


Gardening until January 2021



Total Utilization: 29% => 26%

Total CL: $12,875 (new)
Message 8 of 11
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Regular Contributor

Re: A Pretty Good Start to the Year.

If you don’t mind which one did you pick and what were the different interest rates between them? I have a 9 year old Best Buy card but it’s not the visa 🤓 FYI Best Buy is great with cli’s But they are hard pulls. I went from $1,500 to $14,000 in one shot

805 Equifax, 815 TransUnion, 792 Experian

$30,000 Savor Capital One
$29,000 Boeing Employees MasterCard
$18,000 Synchrony Care Credit
$17,000 Boeing Employees CU Visa
$15,000 US Bank Cash Plus Visa
$14,000 Bank Of America World Cash Rewards MasterCard
$14,000 Platinum Visa Columbia Bank Auth User
$14,000 Best Buy Citi Card
$13,500 American Express Blue Cash Everyday
$10,000 Propel Wells Fargo Amex
$9,500 Bank of America Visa
$1,000 Maurice’s Capital One

Total personal CL’s $155,500
Message 9 of 11
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Valued Contributor

Re: A Pretty Good Start to the Year.

Congrats on the approvals!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 10 of 11
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