So back in September a friend at work was on CK so I decided to sign up to see just how terrible my score was. No score at all. Waited a couple more months, still no score. Hmmm, decided since I had been using Amazon quite a bit I'd try for the store card. Denied & gave up looking. January, my home catches fire and lose everything in the bedroom and bathroom to the fire and a lot of other things throughout due to smoke damage. Clothes were pretty much all wiped out. Stayed at a hotel in town for a week & went to Kohl's to get some clothes. Lady at the counter asked if I wanted to apply for the Kohl's card. I told her not to even bother because my credit is shot. She said she'd still take the $20 off the order so I said knock yourself out. $300 limit. Jaw smashed onto the floor. About two weeks later I'm checking CK again and come across the famous "Fair Approval" for a Cap1 Plat. Tried it, $300. In March I decided to try for a Waly card (by this time CK started showing some scores). Waly approved for $400 & Fingerhut $130 Freshstart. I heard that after 3 months is a decent time to try a cli with cap1. Now up to $400 on that and CK spiked up 40 points to the 660's.
Checked Credit Sesame which had a fair approval for Amex BCE & BCP. I read that they typically only pull from Exp & my TU already has 3 hits (surprisingly Waly must've been a SP somehow because it still hasn't shown up anywhere as a HP). Figured why not. Even though I have NO Fico score yet and won't get one for probably another couple of months. Sent the app and they wanted more info online so I gave them more info. Please give us 2-5 business days to decide (something like that anyway). This was Friday I think. Right there I figured it was a huge no and they ended up pulling from all 3 CB's. Today at work I got an email that said I was approved. Cool, so I figured it's probably another $200-400 limit. Finished the online registration and got into my account to see that they were obviously smoking or drinking something because it said I have a CL of $5,000. Nearly spit soda all over the computer at work when I saw that lol. I guess I don't have to worry about how I'm going to get a washer & dryer and a refrigerator now. I was NOT expecting that at all.
Thanks a lot! I see that lol. Might have to try for a different Amex sometime down the line when my scores get higher. Discover IT cashback is kind of my goal but I think I have a ways to go for that.
Sorry about your fire. They say "when one door closes, another one opens" ...Congrats on the fresh start with a bunch of new credit.
Congrats, thats a great SL. Sorry to hear about the loss, but at least you have a way to replace some of the stuff now.