BBVA Clear Points approval

[Anonymous]

Got the same mailer with the RSVP code, I've been building since Oct 18, bankrupcy discharge in the 1990's and swore off credit.  This is the first decent mailed pre-qualfication, rest were trash cards like Credit One and high interest personal loans.  I didn't really want to go for it but my better cards are Amex and Discover and occasionally merchants don't take them.

They gave me $5800 SL, my scores are 736 (credit karma), 704 (fico), stated income is 50k (household).  Overall usage was around 16% of 16k credit.

I drive rideshare so having 3x gas seemed a good backup to the current Amex bonuses.  To be honest, at this point I feel like I won my the personal achievement, way more credit than I plan on using or spend, but it sure is nice not having to worry about my utilization when I had a total of $800 limit 6 months ago :-)

[RamblingDaveyAlex]

I got mailer today as well. Went online and got $6000 SL  Fico ranges about 685-695 and BK discharged almost full 5 years now.

Congrats!

[Anonymous]

Congrats on the approval.  I got my mailer a few days ago (third one) and it sits in the drawer with the other mailers.  I just wanted to see real card offers again.  I don't plan to app for any new ones until end of next year. 

That's a real nice SL too.

[Anonymous]

I hesitate but my thinking is if I can get a strong base in my first year then I'm set for length of accounts later on, Amex is the true MVP for me, my first 3 cards were 300->500->5000(amex).

[Anonymous]

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@Anonymous wrote:

I hesitate but my thinking is if I can get a strong base in my first year then I'm set for length of accounts later on, Amex is the true MVP for me, my first 3 cards were 300->500->5000(amex).

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Yep it’s absolutely best to just take the AAoA hits while you’re rebuilding. My file is so thick now that adding a new account only drops my age by 2 months on my thinnest file which is 2y2m. 

Congrats on the approval! I love my ClearPoints card. BBVA sends out a ton of targeted offers too. 

[M_Smart007]

Congrats on your BBVA Clear Points approval!

[Marz2002]

YOU...

From 1 Rebuilder to another Rebuilder, CONGRATS @Chuckbucks on your BBVA Clear Points approval and Welcome to the BBVA family!!! 

[Marz2002]

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@Anonymous wrote:

Congrats on the approval.  I got my mailer a few days ago (third one) and it sits in the drawer with the other mailers.  I just wanted to see real card offers again.  I don't plan to app for any new ones until end of next year. 

That's a real nice SL too.

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 @Hasselfree, CONGRATULATIONS on achieving Valued Contributor status! 

[Anonymous]

Congrats on your BBVA approval. I recieved mail offer also, didn't apply.

[nuohlac]

Congratulations on your approval and SL!!!