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BB&T Bright Card $4500 Approval - SP

Valued Contributor

BB&T Bright Card $4500 Approval - SP

I swear I wasn't planning to do another card.  I wasn't.

 

But everyone was jumping on the BB&T soft-pull deal, and I figured it was worth a shot.  I burned BB&T >10 years ago - repo sold at a $4k loss. Was VERY unsure if they'd remember me.

 

DPs:

SL: $4500

APR: 19ish, with 0% for 15 months

HP: NONE

SP: Presumably EQ, based on other people's DPs

EQ: FICO8 662

Util: 17% (at least for 3 more days or so)

AAoA: 3yr11

AoOA: 12yr1

Newest Account: 1 mos

Inq: 5

Bad: 1 paid vzw collection from 12 mos ago.

 

0% for 15 months...... so this is a perfect BT card for us.  Then likely sock drawer.  But hey, adds UTL and will eventually factor POSTIVELY in AAoA, once it ages a long time. Long game... Long game...

 

Now back to the garden for me.

 

  
  



RECORD HOLDER
& KEEPER OF
THE GOLDEN SWORD!

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EQ FICO RESILIENCE INDEX
06-29-2020

Dogbert

76

3

64

04-03-2020

Message 1 of 13
12 REPLIES 12
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Super Contributor

Re: BB&T Bright Card $4500 Approval - SP

21719i720D07BB8D739D3A.gif

1-11-21-31-41-51-61-81-91-71-10
Rebuild Begin 7/22-FICO alternating avg's 650 + -
1213444
Message 2 of 13
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Community Leader
Senior Contributor

Re: BB&T Bright Card $4500 Approval - SP

Congratulations! 4.5 seems to be the going SL for this one. Very decent SL. Enjoy!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 13
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Valued Member

Re: BB&T Bright Card $4500 Approval - SP

What is the BB&T SP train everyone is talking about? I’ve been banking with BB&T for a little while now....some one wanna spill the beans? Also congrats OP!

Starting Score: 580
Current Score: 640
Goal Score: 750


Take the myFICO Fitness Challenge
Message 4 of 13
Highlighted
Valued Contributor

Re: BB&T Bright Card $4500 Approval - SP


@Dogbert wrote:

I swear I wasn't planning to do another card.  I wasn't.

 

But everyone was jumping on the BB&T soft-pull deal, and I figured it was worth a shot.  I burned BB&T >10 years ago - repo sold at a $4k loss. Was VERY unsure if they'd remember me.

 

DPs:

SL: $4500

APR: 19ish, with 0% for 15 months

HP: NONE

SP: Presumably EQ, based on other people's DPs

EQ: FICO8 662

Util: 17% (at least for 3 more days or so)

AAoA: 3yr11

AoOA: 12yr1

Newest Account: 1 mos

Inq: 5

Bad: 1 paid vzw collection from 12 mos ago.

 

0% for 15 months...... so this is a perfect BT card for us.  Then likely sock drawer.  But hey, adds UTL and will eventually factor POSTIVELY in AAoA, once it ages a long time. Long game... Long game...

 

Now back to the garden for me.


Congrats on the new card @Dogbert!! I certainly had no intention of applying for it but when you stumble across a dime, you just have to chat her up! Smiley LOL

Message 5 of 13
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Valued Contributor

Re: BB&T Bright Card $4500 Approval - SP

LOL @campy, welcome to the party! 

 

If you read these two threads you should get a good idea of what's been going on the last few days

 

Discovering The BB&T Gem

The "Woah!" Effect

Message 6 of 13
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Senior Contributor

Re: BB&T Bright Card $4500 Approval - SP

Congrats on your approval and very nice SL !!!!

BB&T SP train , ALL ABOARD

Flavor of the month

 

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 13
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Valued Contributor

Re: BB&T Bright Card $4500 Approval - SP

Congrats on the approval, decent SL!


Message 8 of 13
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Frequent Contributor

Re: BB&T Bright Card $4500 Approval - SP

BIG Congrats!!!

 

Thanks!

Message 9 of 13
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Valued Contributor

Re: BB&T Bright Card $4500 Approval - SP

Bam!Bam!




Living through Darwinism is so much worse than learning about about it in school.
Message 10 of 13
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