@Mdowning30 wrote:Your best outcome was the SavorOne, congrats to that. You shouldnt have even bothered with Merrick or Mission Lane, Discover is the better choice. Dont just go crazy with all the subprime offers in the mail.
this right here --- my biggest regret was wanting credit cards so bad and getting subprime cards like this ... buttt congrats on the cap one !!! my advice coming off a year of rebuilding.... i would avoid any new apps for a while and focus more on quality cards when you are out of the garden, cards that you can use down the line i.e. cards with cashback etc. ... your gonna find out when you scores hit 700 and above you wont have any need for merrick and cards like that, hopefully they aren't charging you a monthly or annaul fee. if not thats great you can eventually sock drawer them and never use them again and keep them for age
I didn’t get approved. I didn’t bother calling for recon. The ones I got were enough. I did end up getting approved for the BOA though. Was ecstatic about that.
Capital One SavorOne: $3000 / Bank of America Unlimited Cash Rewards Visa Signature: $500 / Mission Lane: $2500 / Merrick: $2000 / CreditOne Amex: $850
Unsecured. It was bizarre, it said I was denied and I would get a letter in the mail. Then I ended up getting an letter for income verification. I called to make sure it was legit because I got a instant denial, and they confirmed it was good. So I filled it out and sent it in, and 2ish weeks later I got an approval notice. I was shocked. Only $500, but I’m happy I got in the door. Haven’t been able to get any CLI’s yet but hopefully in due time.
Congrats on the new accounts.
If you are able to cool your jets for 12 months, you'll likely qual for the new mortgage and for much better SLs and cards.
Best wishes!
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Yup I refinanced my wife’s car a few weeks after the spree and have been gardening since. I’m likely going to stay put for a while.
