I have been on the road to recovery this year! I have paid/settled all my deliquencies that have been haunting me over the years: Car repo, medical bills, charged off phone lines, etc. My oldest CC is a Discover card that was initially a secured card with a $300 limit, that graduated a few months ago to a SLI with $2,000. That $2,000 was my highest limit card.
My goal has been to have credit good enough to get all of the higher tiered cards: Chase Freedom, Chase Sapphire, Amex, Citi, etc. I applied to Amex Gold, but was declined... I felt a little bummed about that, but no biggie!
I bank with First Tech Fed, and was approved for their baseline Platinum card with a $1,000 limit. This is a win because I didn't qualify for anything last year!
On a whim this morning, I decided to apply for the Fidelity Rewards Visa Signature card. I have had an account with Fidelity for about 5 years from one of my former employers (but, I didn't start actually using them until recently).
Let me tell you, I was not expecting an approval, BUT I GOT MY HIGHEST TO DATE! It was also an immediate approval!
Approval Limit $8,250
Fico 8: 636 EQ | 639 TU | 660 EX
Fico Bankcard: 632 EQ | 651 TU | 661 EX
AAoA: 23 Months, Oldest card: 4 yrs, 7 mos
Util: 11%
Baddies: Paid & Closed, age around 5 years
I want to take a stab at more, but I'm not sure I'll have this luck with anything else, lol! I'm pretty happy with this! Hopefully, it'll open the way to cards with higher limits as I have it.
