$20K CL from Chase??
odd but I'm excited for you,
That's why I didn't believe it at first. The only thing I can imagine is that I reached a guy who had the ability to make the decision on his own and for some reason wanted to be nice to me!
And thank you for serving our country!
So I have worked very hard to make up for my stupid lazy mistakes as a youngster. I've spent the last two years getting to a reasonable, but not great, point (640's Credit Karma, I know that score holds limited relevance) but I've had a very interesting week!
Going into this little spree, all I had was a Capital One (3k, 4% due to SCRA) and Kay Jewelers (4k, high interest but what I bought had 0% promo). My Credit Karma score had been in the high 500's for the last year that I have been looking at it. Last week I logged on and my score on CK jumped 50 points into the 640's so I decided to apply for the Chase Freedom and got instant approved for 2k. I also applied for the Slate the next day and got the "check the mail for our decision" response. Today I applied for the Discover It and got countered for a lower promo rate and only 1.9k limit.
Fortunately, by reading this forum for the last few days I learned some things and ended up calling the backdoor number for Chase listed in the backdoor thread. After speaking with an analyst, I was shocked to not only get approved....but get approved for.........
At first, I thought he mispoke, so I had him repeat it, still 20k! I still was skeptical so I ended up calling the other backdoor number listed and got the automated confirmation for 20k!
I am so excited right now. Even though I don't need to use the credit, this will help me build my score and once my military service is over in about 3 years I will be in a better position for a mortgage!
Thank you to all of you for sharing your experiences on this site, without it I would have made so many mistakes!