Hey Everyone!
I have been grinding and stressing myself out for the last 2 days looking for a new card to apply for. Ran into some unexpected medical bills and wanted to apply for a card that had a long 0% APR Intro. Was thinking about trying AMEX, Discover, Chase FU and BofA Americard or Cash Rewards. I ended up choosing the BofA Cash Rewards card and was instant approved for $3500 SL which is enough to pay for the medical bill in full as well as get me the $200, so not only am I getting the pay in full discount, but I am getting an additional $200 off. Now I will just make sure to have it payed off over the next 15 months so I don't get any interest. Very happy with the outcome. See below for my stats upon approval:
- Hard Inquires
- 1 TU (1 from 2017)
- 3 EQ (2 from 2019, one from 2018)
- 3 Total Accounts
- Personal Loan ($4686 Remaining)
- BofA Alaska Card (7000 CL)
- Discover It Student (7800 CL)
- AAoA
- 1 Year 8 Months
- Oldest Account 2 Years 11 Months
- Derogatory Remarks
- 0, Never a collection, missed payment or anything.
- 33% Utilization
- 67% on BofA
- 0% on Discover
- Age 21
- Income: 44k
- Renting for $1200
- Can't remember who BofA pulls but my score was 701.
Overall very happy with how it turned out!
