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

ChiTownGirl1
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.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

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

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym
43 REPLIES 43
Caught750
Valued Contributor

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

Congrats on a great card and awesome limit!
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~750 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 2 of 44
Creditsen
New Contributor

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
Fico82
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
soupy5
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 2020 – FICO 8
Message 5 of 44
Saeren
Mega Contributor

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

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





Message 6 of 44
RobertJ
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
simplynoir
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
CreditCuriosity
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
Steve891
Senior Contributor

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

Congrats on your Disco approval and sweet SL!




Message 10 of 44
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