Re: A Pretty Good Start to the Year.

Anonymous · ‎01-15-2019

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!

Cred4All · ‎01-15-2019

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

pinkandgrey · ‎01-15-2019

Congrats on both! Enjoy your new laptop as well!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k

AverageJoesCredit · ‎01-15-2019

I hope you chose the store card

lol, not!

Big congrats, looks like BBVA. Is the fotm for January

Anonymous · ‎01-15-2019

Congrats on both approvals !!!

19eighty5 · ‎01-15-2019

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

EW800 · ‎01-15-2019

@Anonymous 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!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

MartyWrite75 · ‎01-15-2019

Congratulations on your approval! Nice!!

April 2024: Experian 769; Equifax 779; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Anonymous · ‎01-15-2019

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

xaximus · ‎01-16-2019

Congrats on the approvals!

Scores - All bureaus 770 +
TCL - Est. $410K

A Pretty Good Start to the Year.

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A Pretty Good Start to the Year.