@Anonymous wrote:
I wanted to put my info out there and maybe I will help someone too.
Background: started off this journey with a score in the low 500's and decided I needed to "put my big girl panties" on and stop ignoring my scores and debts. When I had turned 18 I went crazy with credit cards and was so irresponsible. That resulted in a ton of collections and charge offs. In November of last year I got denied from Barclay, an old navy store card, and probably someothers, but I wasn't surprised because I had some baddies from almost 7 years ago that hadn't fallen off yet. At the same time I managed to get approved for:
Nordstrom card 500 limit (initial denial then EO email and they called me and approved.. I think my shopping habits there already helped my cause)
Amazon store card $800 (instant approval, I had a lot of items in my store cart, I also was already a prime member and spend a lot there on our debit)
Walmart $500 (instant approval)
After the denials and those approvals I decided to garden to last week. Mainly because I had auto cli on Walmart (now $800), Amazon (now $1200), and Nordstrom ($1500!!!!!). I had requested a cli at one point with Amazon and was denied but didn't ever try a cli with the others.
My score recently has been 680-690's and my utilization was around 30% due to purchases I had just made. I always make multiple payments a month.
I decided to first apply to cap one (which I burned 7 years ago) after checking their pre qualifier which offered a quicksilver one and got the 5-7 day notice. Called and they wanted proof of income. Faxed that over and they gave me a $500 credit limit.
I got excited and decided to check all the pre qualifiers and Amex had the everyday and the blue cash one. I decided to go for the everyday and got the 7-10day notice. Instead of going to sleep and waiting I decided to apply for a business gold and got denied right away then applied for a business simple cash and got the 7-10 day. They needed my address verified because I just moved. So they verified it through my bank and approved the ED for $4,000!!! I was so excited I couldn't believe it. The business card is on a fraud hold for a few days since I applied for multiple cards so it's still pending.
I decided to push my luck and apply for the Costco citi yesterday because I spend tons of money there. I guess I was waiting for a denial so I could garden for a while. I thought for sure it was a denial and I got an instant approval for $4,000!!! I was thrilled because it was my first instant for a non store card yay! Also, citi was burned 7 years ago (a family member opened a card in my name but I couldn't get it removed but that baddie just fell off this month).
Then today I found out that I got the discover it for $5,500 that I applied for a couple days ago (posted separate about that approval).
I am off to the garden for a while. Can't wait to see how high my credit will go and how high I can get these credit lines. Chase is my next goal. They were burned for a much higher amount as I was a co signer on a car that got repo'd.
My fiancé laughs at me because I am obsessed with researching this forum and get excited for every point my credit score goes up. He just doesn't understand my excitement. At one point my credit was so crappy I couldn't even get a bank account!
Congratulations On Your Approval....Thanks For Sharing..
Congrats on all of your new cards! 
I agree, this is a great forum and everyone teaches you so much.
Congratulations
Encouraging for me on my rebuilding journey..
Congrats on the success!!
@Anonymous wrote:
I wanted to put my info out there and maybe I will help someone too.
Background: started off this journey with a score in the low 500's and decided I needed to "put my big girl panties" on and stop ignoring my scores and debts. When I had turned 18 I went crazy with credit cards and was so irresponsible. That resulted in a ton of collections and charge offs. In November of last year I got denied from Barclay, an old navy store card, and probably someothers, but I wasn't surprised because I had some baddies from almost 7 years ago that hadn't fallen off yet. At the same time I managed to get approved for:
Nordstrom card 500 limit (initial denial then EO email and they called me and approved.. I think my shopping habits there already helped my cause)
Amazon store card $800 (instant approval, I had a lot of items in my store cart, I also was already a prime member and spend a lot there on our debit)
Walmart $500 (instant approval)
After the denials and those approvals I decided to garden to last week. Mainly because I had auto cli on Walmart (now $800), Amazon (now $1200), and Nordstrom ($1500!!!!!). I had requested a cli at one point with Amazon and was denied but didn't ever try a cli with the others.
My score recently has been 680-690's and my utilization was around 30% due to purchases I had just made. I always make multiple payments a month.
I decided to first apply to cap one (which I burned 7 years ago) after checking their pre qualifier which offered a quicksilver one and got the 5-7 day notice. Called and they wanted proof of income. Faxed that over and they gave me a $500 credit limit.
I got excited and decided to check all the pre qualifiers and Amex had the everyday and the blue cash one. I decided to go for the everyday and got the 7-10day notice. Instead of going to sleep and waiting I decided to apply for a business gold and got denied right away then applied for a business simple cash and got the 7-10 day. They needed my address verified because I just moved. So they verified it through my bank and approved the ED for $4,000!!! I was so excited I couldn't believe it. The business card is on a fraud hold for a few days since I applied for multiple cards so it's still pending.
I decided to push my luck and apply for the Costco citi yesterday because I spend tons of money there. I guess I was waiting for a denial so I could garden for a while. I thought for sure it was a denial and I got an instant approval for $4,000!!! I was thrilled because it was my first instant for a non store card yay! Also, citi was burned 7 years ago (a family member opened a card in my name but I couldn't get it removed but that baddie just fell off this month).
Then today I found out that I got the discover it for $5,500 that I applied for a couple days ago (posted separate about that approval).
I am off to the garden for a while. Can't wait to see how high my credit will go and how high I can get these credit lines. Chase is my next goal. They were burned for a much higher amount as I was a co signer on a car that got repo'd.
My fiancé laughs at me because I am obsessed with researching this forum and get excited for every point my credit score goes up. He just doesn't understand my excitement. At one point my credit was so crappy I couldn't even get a bank account!
Hello My Name is BellaLina and I have a Credit Score Obsession, it all started when...
Welcome to the Group! (First step is admitting you have a problem... but its a good problem 
)
PS Congratulations & Kudos...!