Re: Discover It Cap & Gown Day!

Anonymous · ‎10-05-2018

Good Day!

Wanted to share some news with many of you that has helped me with your superb advice since my rebuild began just a little over 6 months ago!

Today, Discover has graduated my account and given me a very generous $2,000 CLI! My $300 Deposit will be returned in 5-7 business days!!

I opened the account on March 25, 2018. My TU Fico Score Card was reporting at 515, and I had a whopping 16 baddies.

Today, my scores are approaching 650 across the board, my overall utilization is at 8% across 7 card accounts, and I have reduced my baddies list to 5. I kept my Discover account at 2% UTI by adding a recurring Netflix subscription, auto pay, and forgetting about it.

Now it's time to work on Capital One 😁

Hope these data points helps someone in a similar situation.

Cheers!

Medic981 · ‎10-05-2018

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

Your FICO credit scores are not just numbers, it’s a skill.

Anonymous · ‎10-05-2018

Super congrats on the graduation!!!! Keep up the good work!

Anonymous · ‎10-05-2018

Cool story, n. Congrats!

xaximus · ‎10-05-2018

Congrats on your journey so far and graduation!

Scores - All bureaus 770 +
TCL - Est. $410K

CivalV · ‎10-05-2018

Congrats!!!

My 7th statement cuts Dec 6th 2 weeks before my birthday. I have been treating my card good. PIF and using it simultaneously before statement cuts every month. Really hoping for that $2000 CLI & a return of my $300 deposit. My FICO scores will be around 630 by then. Hopefully it helps with the amount they decide to give me. Wish me luck 💪🏼💪🏼