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BB&T Spectrum Success

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Frequent Contributor

BB&T Spectrum Success

Hey folks

 I've NEVER received any prequal offers from BB&T when I've applied (the BK7 might have something to do with that lol) and while I've been gently gardening, I got the itch to try it last night. All 3 cards showed up, so I chose the Spectrum with cash rewards! Got it! Not the highest ($3.5k) and APR ain't great (19.24% after 12 months of 0%). But it's now my highest bank revolver and lowest APR. 

 

i did this knowing it was a SP, and that they'd look at EQ which is my highest Fico at the moment 674. My rehabbed student loans just aged my CR by 13 years. I also just Friday, got the $200 reward SUB for my new BB&T checking account (2 direct deposits >$100 in 75 days), and yesterday they deposited $0.68  in there for some reason (?).  BB&T is giving me love and I'm loving it. 

 

Also following in the footsteps of @Firemedic !!! Their advice is spot on! 










RIP:

INSTALLMENTS:
11 years more payments!!



GOALS:
• [X] $10k revolving CL by 2021
• Apple Card (too sexy not to have) by 2021
• [X] Just one more cash back rewards card by 2021
• [X] Student Loans (27, yes, 27 of them) out of rehab and default by 6/2020
• [___] FICO 670 by end of 2020: [___]EX [___]TU [__X__]EQ
• [X] PC Cap1 to QS 5/2020 - 100 days after opening; credit steps done 8/2020
• [X] PC Discover—to DiscIt 5% 3/2020
Message 1 of 19
18 REPLIES 18
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Valued Contributor

Re: BB&T Spectrum Success

Congrats on your approval!

12/18/19




05/27/20





Cards

Authorized User
Message 2 of 19
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Frequent Contributor

Re: BB&T Spectrum Success


@ClassicMan wrote:

Congrats on your approval!


Thank you!










RIP:

INSTALLMENTS:
11 years more payments!!



GOALS:
• [X] $10k revolving CL by 2021
• Apple Card (too sexy not to have) by 2021
• [X] Just one more cash back rewards card by 2021
• [X] Student Loans (27, yes, 27 of them) out of rehab and default by 6/2020
• [___] FICO 670 by end of 2020: [___]EX [___]TU [__X__]EQ
• [X] PC Cap1 to QS 5/2020 - 100 days after opening; credit steps done 8/2020
• [X] PC Discover—to DiscIt 5% 3/2020
Message 3 of 19
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Established Contributor

Re: BB&T Spectrum Success

Congrats 🎉🎈🎊 on your BB&T approval.

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 4 of 19
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Established Contributor

Re: BB&T Spectrum Success

@Back2Reality check your first post and make sure you edit the name on the card.

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 5 of 19
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Frequent Contributor

Re: BB&T Spectrum Success

congratulations_letter-173559932-5c432fc646e0fb0001eeb190.jpg

Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $10k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 6 of 19
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Moderator

Re: BB&T Spectrum Success

Grats on your Spectrum card, enjoy Smiley Happy

Message 7 of 19
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Frequent Contributor

Re: BB&T Spectrum Success


@Rebuild2019 wrote:
@Back2Realitycheck your first post and make sure you edit the name on the card.

Thanks @Rebuild2019  
Geez omg 










RIP:

INSTALLMENTS:
11 years more payments!!



GOALS:
• [X] $10k revolving CL by 2021
• Apple Card (too sexy not to have) by 2021
• [X] Just one more cash back rewards card by 2021
• [X] Student Loans (27, yes, 27 of them) out of rehab and default by 6/2020
• [___] FICO 670 by end of 2020: [___]EX [___]TU [__X__]EQ
• [X] PC Cap1 to QS 5/2020 - 100 days after opening; credit steps done 8/2020
• [X] PC Discover—to DiscIt 5% 3/2020
Message 8 of 19
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Epic Contributor

Re: BB&T Spectrum Success

Congrats! ..

popcorn eating emoticon.gif

Message 9 of 19
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Senior Contributor

Re: BB&T Spectrum Success


@Back2Reality wrote:

But it's now my highest bank revolver and lowest APR. 

 


You hit a milestone........yay........Congrats and enjoy!



”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 10 of 19
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