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Was approved for both . Car credit 500 limit n old navy 300 limit I've read not to have many of these cards through this lender but they are beneficial for me . What are the what nots to do as I'm still in rebuilding stage n I'm not applying for anything else as I don't need anything else . I have 2 navy federal cards I'm paying on that are charged off n penfed that I settled on as well as Verizon I settled on I still have one main n Firestone that hanging over my head I may settle on Firestone as it's 2200 for 1100 not sure if any of them do pay for deletion. Any pointers thanks n how can I make the 2 old navy n car credit grow to maybe a visa version

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12 REPLIES 12

Congrats on your approvals & Good luck on your rebuild

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Congrats on both of those new entries along your road back.

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Congratulations on your approvals!

Current Cards (in order of approval):

Current FICO 8 | 9 (August 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

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Congrats on the new approvals and getting the rebuild going!

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Congrats on your approvals

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Congrats on your approval.

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Congrats on both approvals!

Current FICO 8:

US Bank Cash+ (PC from Perks+) | 05/2007 | $10,000

Dillards | 02/2008 | $4,600

AMEX Blue Cash Preferred (PC from Blue) | 09/2008 | $25,000

Best Buy | 10/2008 | $4,300

Target MC | 03/2009 | $10,500

Kohl's | 08/2009 | $3,000

Lowe's | 09/2009 | $35,000

US Bank LOC | 03/2010 | $500

US Bank Cash+ (PC from Platinum) | 12/2014 | $20,000

Goldman Sachs' Apple Card | 08/2019 | $34,000

Chase Freedom Unlimited | 09/2019 | $16,000

Chase Amazon Prime | 04/2020 | $20,000

AMEX Cash Magnet | 04/2021 | $10,000

US Bank Altitude Go | 05/2021 | $25,000

Elan Max Cash Preferred | 05/2021 | $25,000

Citi Custom Cash | 07/2021 | $21,600

FNBO Evergreen Rewards | 07/2021 | $25,000

Discover It | 07/2021 | $23,500

Affinity FCU Cash Rewards | 04/2022 | $32,500

Affinity FCU CLOC | 04/2022 | $10,000

Chase Freedom Flex | 09/2023 | $27,500

US Bank Altitude Connect (PC from Altitude Reserve) | 09/2023 | $15,000

Chase Sapphire Preferred | 05/2024 | $23,000

Citi Custom Cash (PC from Strata Premier) | 10/2024 | $16,000

Bank of America Customized Cash Rewards (PC from Premium Rewards) | 04/2025 | $38,800

Platinum Garden Club Member

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Congrats on both of your approvals 👍🏼

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Congrats on your approvals!! 🎊

I would recommend making a thread in the Rebuilding section about those charge offs

BK 7 FREE!
Newest to Oldest:

FICO8s Dec 2019

FICO8s Oct 31 2023

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