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Hi All,
This is my first official post. I have been coming to this site for the past couple years, lurking in the shadows and picking up tips. I am recently married (yep, right at the beginning of the pandemic). My husband's credit is STELLAR. Mine was... a good reflection of my life at the time. I have been rebuilding my credit the past two years. I started with a secure CC with NFCU. I appreciate them giving me a second chance but after a few small CLIs, I am at a standstill with my $3,400 CL. They will not budge.
Well, a couple of nights ago, on a whim, I decided to apply to AMEX. I was blacklisted a long time ago. I would come back and use their prequalifier from time to time and would always receive the "NOPE" response. But this time, I received a "NOT NOPE!" I looked through all the cards I was prequalified for and zeroed in on one and BAM! I was APPROVED and in total disbelief. I even gained 8 points on EX, didn't lose any (I didn't know that was possible). I had my husband check to make sure I wasn't seeing things. I wasn't.
The next evening, I thought to myself that one more inquiry wouldn't hurt. My husband and I do need a better travel rewards CC (slight regret with the AMEX Delta Skymiles but this was the most appealing). I set my eyes on the Chase Sapphire Reserve CC. I didn't have inquiries on my EQ and someone had posted on here that when they applied, their EQ was pulled (this wasn't the case for me, Chase pulled my EX). So. I applied. Waited for the screen to load. It took about 30 seconds. After the page refreshed, I blinked a couple times, and then handed my phone to my husband who looked very confused. He asked me what it was, he probably couldn't believe it. I took my phone back and laughed to myself as I thought about my unchanging $3,400 CL with NFCU. "purr1113, YOU'RE APPROVED! Your credit line: $18,000. Want a different credit line?...We look forward to serving you."
Maybe I don't fully understand my credit like I thought I did. I haven't applied for much over the past couple of years (just my secure CC, and refinanced my auto about a week ago) and I didn't have many open accounts. So this is a really nice surprise. I still won't believe it until the cards arrive in the mail.
I just wanted share the happy news and also thank you all for contributing to these forums. It's helped a lot.
__________
7/1/20 Update - Hi! I realize more background would be helpful.
DTI is 36%
2 remaining collections (paid off and deleted 5 in the past year),
22 late payments
HPs-
EX 3 (falling off 6/22)
TU 2 (2/21, 1/22)
EQ 1 (6/22)
Income 150k+
Never BK
Lastly, I have been working on rebuilding since Feb '19, so rebuilding for over a year. I have no idea why I kept saying, 2 years. Quarentine has affected my sense of time.
Nice work! Congrats and welcome to the forums!
@purr1113 Welcome to the forum!!! Super Congrats on your CSR $18,000 approval!!!
From $3,400 with Navy Fed to $18,000 with Chase is quite the leap, isn't it.??!!
Given your situation, I'd be doing a double take on my phone just like you did.
Very well done! You have a lot to be proud of!!!
Congrats once again on your success. Thanks so much for sharing!!!
BOOM! CONGRATS on the great approvals! The CSR is a FANTASTIC card (I miss mine... :-( )
Welcome to the forums, too!
Now - you *might* want to garden for a while - tend these credit limits, use them, and be careful for a few months. Chase is twitchy, and will do an account review in a few months. If they see a bunch of credit seeking behavior, they *CAN* and often * WILL* CLD or close your account. Happened to me last year, and I still miss my CSR.
Congrats again - that's a great SL on a GREAT card...
A great card to have in the arsenal, congrats on the good SL too
Welcome to the board !
Thank you so much and thanks for the heads up about CSR Will definitely stick to gardening for a while. So sorry they did that to you. Arg! Hope you can get it back!
@Anonymous wrote:BOOM! CONGRATS on the great approvals! The CSR is a FANTASTIC card (I miss mine... :-( )
Welcome to the forums, too!
Now - you *might* want to garden for a while - tend these credit limits, use them, and be careful for a few months. Chase is twitchy, and will do an account review in a few months. If they see a bunch of credit seeking behavior, they *CAN* and often * WILL* CLD or close your account. Happened to me last year, and I still miss my CSR.
Congrats again - that's a great SL on a GREAT card...
Congratulations on your Chase Sapphire Reserve approval and nice SL! Congratulations on your rebuild success!