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Approval success thanks to this forum for AMEX, CSP and Discover!!!

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Established Member

Approval success thanks to this forum for AMEX, CSP and Discover!!!

I've been a long time reader of this site and have used the information to drastically change my credit situation. When I was in college I received tons of pre approval letters in the mail for various cards and started opening credit cards from almost all of the major banks. I completely got over my head and didn't know what I was doing which led to me defaulting on over 10 credit cards, 2 student loans and a few other things by the time I was 19. The only card that survived the mess was my Macy's card with a measly $100 limit.  About 2 years ago I became serious about fixing my credit situation and began to research how I could raise my scores (which were in the mid 500's at the time) I started writing goodwill letters to every negative thing showing on my credit report. I also applied for a Capital One Quicksilver One and was instantly approved for a $300 limit. This was the first positive change in my credit situation. I used the card for literally everything and paid it off several times during the month spending far over the $300 limit per month. Over time I was able to get several CLI and now the card has a $7000 limit. I was also able to PC the card to the regular Quicksilver with no annual fee thanks to the info on this site. During that same time I was able to successfully raise my Macy's limit from $100 to $6700. Next I was added as an authorized user on an AMEX PRG and heavily used that card spending over $27,000 on it last year. After using the AMEX for a year I logged into my AU account and applied for my own PRG and Platinum card and was approved for both!! I was shocked because at the time my scores on all 3 reports was around 627. I was then able to get approved for a Discover IT secured card with a $1000 limit. This week marks my final credit card goal with my CSP. I applied last week and got the 7-10 day message. I called and was told I was denied due to a previous negative relationship with them in 2008. I called the recon and was asked a few questions then the person submitted my application for recomsiderstion and told me I would either get a denial letter or the card in 7-10 days. Every day I called the automated message and kept getting the 7-10 day message so I thought it was denied based on what people here said about the 7-10 day message vs 30 day or 2 week message. Well to my surprise I come home yesterday and a CSP with a $5000 limit was in my mail!! So with the help of this forum in 2 years I was able to go from a mid 500 credit score with tons of collections to scores ranging from 670 - 720, get all but one negative account removed from my reports by sending goodwill letters and get approved for all of the cards I wanted that made sense for me (AMEX PRG, AMEX Platinum, Discover IT and Chase Sapphire Preferred) 

Message 1 of 7
6 REPLIES 6
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Regular Contributor

Re: Approval success thanks to this forum for AMEX, CSP and Discover!!!

Congrats, OP! That's a very nice set of cards there!

Message 2 of 7
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Valued Contributor

Re: Approval success thanks to this forum for AMEX, CSP and Discover!!!

Congrats on the success!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 3 of 7
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Established Member

Re: Approval success thanks to this forum for AMEX, CSP and Discover!!!

This gives me hope. Love this! Congrats!
How does your garden grow??
Message 4 of 7
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Super Contributor

Re: Approval success thanks to this forum for AMEX, CSP and Discover!!!

Congratulations and thanks for sharing Smiley Happy

Message 5 of 7
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Senior Contributor

Re: Approval success thanks to this forum for AMEX, CSP and Discover!!!

Nice, congrats on your success

Message 6 of 7
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Frequent Contributor

Re: Approval success thanks to this forum for AMEX, CSP and Discover!!!

Congrats on your great success! Hard work pays off and it feels good doesnt it? Nice lineup of cards

Message 7 of 7
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