is this a prequalified offer from CAPITAL ONE? Who I burned not only for a $1k+ Limit, but for a $10k car loan?
*tiptoes into the application like the cat from Tom & Jerry*
I’ll take $500! Cute little rainy day card! Thank you!
No goodwill letters, no settlement offers, just a little strategy I call “Waiting it out.” It is better not to wake a sleeping bear.
credit score low 600s, high util on one card.
Amex agreed to reinstate me for an Optima with a guaranteed 1k limit after I pay off the 3k I burned them for. I’ll take it! Gotta start somewhere!
thanks for reading!
Now work on getting the heck out of 500 FICO Scores in your siggy so we can better help #1 Priority.
Love the intro! Congrats on getting back into the game.
Can I ask how you got offered the Optima card? I have a 1300 CO, over a year old, with Amex and chatted with a rep today regarding the optima and they said:
So I had applied for another Amex and was declined. When I called the number listed, they said it was because of my old account (almost 10 years old). Since I woke the bear I started getting letters and that was one of the offers. They broke down my balance into 24 installments and detailed that if I made all the installments on time, that I could apply for an Optima so long as my income was good, too. So it’s not a magic thing I would still have to qualify for the Optima when the time comes.