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Finally Approved for a Big Girl Card! $12K SL post BK

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Regular Contributor

Finally Approved for a Big Girl Card! $12K SL post BK

Hi everyone!

 

I have been coming to this forum for a while now and watching all of your wonderful stories! All of you have motivated me to get my credit back in shape and just go for it!

 

I filed Ch7 back in March 2010. Immediately after, I got approved for subprime lenders for both car and credit cards. 

 

I didn't open a lot of accounts immediately but just maintained the three credit cards I had.

 

I've tried my hardest not to apply for any new accounts because I feared being rejected.

 

After about 1,000 (exaggeration) letters for Discover, I finally decided to go for it.

 

Thanks to this forum, I learned about the pre-qualify offers. They offered me any card but I chose the It Cashback since this quarter is Paypal and I do a lot of online shopping.

 

To my surprise, I was immediately approved (I was still waiting for the decline).

 

I went back to check the status of my application and it said my credit limit was $12,000!!! This is the highest limit I have ever had on any card.

 

Immediately, I called to cancel that shark --- First Premier. Whew! Thank goodness that is over!

 

But I just had to hop on and tell you all the good news. There is definitely still hope!

Late to the game but at least I'm getting started.
~
New Cards:
Discover IT $12k (7/2019)
Uber VISA $7K (10/2019)
AMEX BCE $1K (10/2019)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:
US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again
AMEX Blue Cash Preferred
AMEX Blue Business Cash (waiting until I hit CIC SUB before applying)
43 REPLIES 43
Valued Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congrats on a great card and awesome limit!
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 2 of 44
Valued Member

Re: Finally Approved for a Big Girl Card! $12K SL post BK

That is such an awesome limit for a great card!




Message 3 of 44
Regular Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congratulations! Nice starting limit , discover is great !







Message 4 of 44
Frequent Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congratulations!! Nice card, awesome SL! I'm so happy for you - your patience and hard work clearly paid off!



Current Scores Jul 2019 – FICO 8
Message 5 of 44
Super Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

That's a pretty epic limit for Discover, congrats!



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 6 of 44
Established Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congrats on the huge CL with Discover!

 

Minion Congrats.gif




Message 7 of 44
Community Leader
Super Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congratulations on your new card!

Message 8 of 44
Moderator

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congrats on your approval and welcome to the forums.  Mind sharing your scores at time of approval with others?  

Message 9 of 44
Valued Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congrats on your Disco approval and sweet SL!

Currently: Gardening since 12/29/2019




Message 10 of 44
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