Earlier tonight, I was approved for $1500 with a 21.99% APR which I accepted. I was pretty surprised, I've been trying every three months for the heck of it and really didn't expect them to say yes since I'm just barely past two years post file bk (wasn't discharged until July 2019). With the exception of my Navy Fed CU card (18%), it's the lowest APR I have now. My FICO 8 bankcard scores as of today are EQ 699, TU 684, and EX 665, while 9 Bankcards are 693, 687, and 693 in same order. My regular 8 scores are 684, 670, and 667. EX tends to be lower due to a different AAoA, as the other two still count two cards I was on AU with a long time ago for utilization & age. My utilization is 10%. ETA: they pulled TU.
This will be my last card for a while, but I will definitely find it useful as I use Apple Pay a lot. Just wanted to share since I figured I'd have to wait longer because of my bk!
FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678
NFCU CLOC $1,000
Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150
AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.
New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months
My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
