Hey everyone! I'm super new to this forum (well, I've lurked on here from time to time since last year) and I wanted to share my happy news with you all. While it may not be much to some, it means the world to me right about now and I don't think I would've had the guts to do it had I not been encouraged by so many on this site.
Brief history, 1 year ago this time I was sitting on a 505 FAKO credit score. YES 505 (dumb and poor college kid **)!! After putting some elbow grease into my credit game (and a full time job, lol), I now have a 668 FAKO.
Tonight, I was feeling adventurous after some forum surfing and decided to check a couple of prequal CCs. Checked Discover and AMEX. I was preapproved for both with a single APR and no range. The Discover APR was a whopping 20% after 14 months at 0% but I was willing to go for it anyway as I plan to PIF each month. Approved for $4000 limit. OMG, I SCREAMED. Content for the day, I surfed through more forums and that AMEX preapproval kept itching away - although even with the pre approval, I was still very hesitant to apply. I already have a corporate charge card through AMEX but figured that would have no impact on a personal card. Anywho, something came over me and I applied, expecting a denial and what did I get?? The dreaded 14 day message. I immediately called and the rep stated that they wanted to verify it was really me and so we did. Still nothing. Told me I'd get a letter about proving my address and should manually send in the documents it asked for in order to be considered. I thanked her and moved on. But something just wouldn't let me rest, so I called again. This time I spoke to a gentleman who told me that they are "not meaning to offend" me but they are having to take extra steps to prove it is me. Makes sense because around October, I had my wallet stolen and called Amex for a new corporate card and let them know the issue. So I guess it was somewhere in between that time and now that I got my new phone number which led to another hiccup - whoops. He said that I should have received a reference number on my trusted phone number to help push the process along. Welllll, I didn't. Now the rep sounds skeptical about me so I think to quickly say the old phone number and let him know that I now have a new phone number that I *thought* I updated on Amex's website. He opens up a little then and asks if the last rep confirmed my DL info, which she didn't. He then had me read the last 4 of my DL #, my current address, and info about my corporate card. THEN *drumroll* he says "Congrats, Ms. xxx, you are now an Amex member" I DIEDDDD, haha. And for my "troubles" they're rushing the card at no additional fee. Amex Gold Delta CL of $1k
From a 505 to a Discover & Amex in just a year is astounding to me and I couldn't have done it without you all on this site. I can't wait to join that 700 club!
Major league congrats!
Congrats on the approvals. Welcome to families. Awesome job pulling up your score.
Congrats on both approvals!
Woo hoo!! Way to go! You have come a long way and well deserved approvals. Take care of your new cards!