Got some disappointing news today when I woke up. I had asked for my SPG app to be manually reviewed since the soft pull AMEX had on me was 60 points lower than my current FICO. Took a week and they sent me the same email they had sent me a week ago, stating my old FICO score as the reason for denial. The letter was even dated January 16th. So I called and told them my story and she said, "Oh, you want us to look at what your score is currently?" Uh. Yes. I thought that was clear the first time around. So that'll be another 3-5 days. And at this point I'm still not sure they'll let me in. Fingers crossed.
So I decided to "see what else is out there." App'ed for BofA Americard: Approved for 6k. Then went over to Citi for the Diamond Preferred: Approved for 5.4k. Then went for that new Uber card: 7-10 days. Called, they asked about one of my cards that has a high balance. I explained it was a card I used for work expenses and she said they'd reconsider and she started me at 2.5k. BofA and Citi pulled EX (727) and Barclay's pulled TU (701).
30 days ago I has 26,000 in CL's. With these approvals, an additional approval from Navy a week ago, plus CLI's from AMEX, Cap1 and my other Navy, I've more than doubled it to $58,100. And on a personal note, 18 months ago I had no FICO and a FAKO in the low 400s with plenty of baddies. I had nothing. Ironically, this board's *free* advice has been invaluable. Feels good to have my arrow pointed up. To everyone who has ever help me or anyone on here: THANK YOU.
Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.
As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500
TOTAL 2018 CREDIT LINE: $61,200
JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.
CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)
SPRING 2026
ALL BADDIES DROP
