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American Express Gold + Citi Best Buy Visa!

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Frequent Contributor

American Express Gold + Citi Best Buy Visa!

Wow, It's been a while since i've posted here! I needed to go into hiding as reading all the success here day in and day out only helped to fuel my app trigger finger Smiley Happy After focusing on my acounts, utilization, and strategizing on my card NEEDS vs WANTS; I stepped out of the garden yesterday and pulled the trigger on the Citi Best Buy Visa! In-Store approval for $4K! The sales rep was prompted to "call in", I for sure thought I was doomed, but much to my surprise it was only verification and card selection!

 

This morning, I login to make my weekly payment on my Delta Gold, and to do my monthly check-in on pre-approvals...FINALLY...."you are pre-approved"! Please understand, I've been rebuilding my credit for nearly 16 months! When I started this journey, my goal was to land an AMEX Gold.  I've had a lot of early success, but this one was a big deal for me. Like many others, this card was built for my spend patterns. I went ahead and pulled the trigger and confirmed the approval!  

 

Here are some DPs:

- Best Buy pulled EQ: 640 / Amex EXP: 660 (as of 6.1.19 update)

- Inq: EQ: 20 EXP: 15 TU: 17

- Income: 135k

- AAoA: 2.5

- Overall UTIL: 19%

- Baddies: 2

- AMEX 50k SUB / $25K POT

 

This rebuild is offically a success!

 

 

 

 

 

 


06.2019

03.2018

NFCU CLOC: $15,000
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12 REPLIES 12
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Frequent Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congrats!

Message 2 of 13
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Established Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congrats on the new Amex and BB cards!!!











Current

Goal Cards

Message 3 of 13
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Senior Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congrats on your Amex Gold and Citi Best Buy Visa approvals! Pretty sweet to get a goal card. Start racking those MR points! Smiley Very Happy




Message 4 of 13
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Mega Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congrats on your approvals and also your rebuild!

“There is so much pain in the world, and most of these people keep theirs secret, rolling through agonizing lives in invisible wheelchairs, dressed in invisible bodycasts.”
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Regular Contributor

Re: American Express Gold + Citi Best Buy Visa!

congratz on your approvals an getting that goal card.

Message 6 of 13
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Community Leader
Senior Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congrats! Impressive SL on that BB Visa! 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 13
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Frequent Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congrats on your approvals and rebuild progress! You're doing an amazing job, keep it up 😊

Message 8 of 13
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Valued Contributor

Re: American Express Gold + Citi Best Buy Visa!

You... REALLY, REALLY...

awesome congratulations GIF by Slanted Studios

From 1 Rebuilder to another Rebuilder, CONGRATS  on your AmEx Gold and Citi Best Buy approvals and Thanks for the DPs!!! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $10.5K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $204K+ | Rebuilding since April 2018
Message 9 of 13
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Senior Contributor

Re: American Express Gold + Citi Best Buy Visa!

Congratulations on your approvals!

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:

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