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BBVA Clear Points approval

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Established Member

BBVA Clear Points approval

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 :-)

 

 


Message 1 of 11
10 REPLIES 10
Valued Member

Re: BBVA Clear Points approval

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

 

Congrats!

Message 2 of 11
Valued Contributor

Re: BBVA Clear Points approval

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.




UNpopular opinions have served me well and will offer that which has worked for me.
Message 3 of 11
Established Member

Re: BBVA Clear Points approval

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).

 


Message 4 of 11
Super Contributor

Re: BBVA Clear Points approval


@Chuckbucks 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).

 


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. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 11
Super Contributor

Re: BBVA Clear Points approval

Congrats on your BBVA Clear Points approval!

Message 6 of 11
Valued Contributor

Re: BBVA Clear Points approval

YOU...

awesome congratulations GIF by Slanted Studios

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

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 7 of 11
Valued Contributor

Re: BBVA Clear Points approval


@Hasselfree 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.


 , CONGRATULATIONS on achieving Valued Contributor status! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 8 of 11
Valued Member

Re: BBVA Clear Points approval

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

Message 9 of 11
Established Contributor

Re: BBVA Clear Points approval

Congratulations on your approval and SL!!!



Message 10 of 11
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