cancel
Showing results for 
Search instead for 
Did you mean: 

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

Brian_Earl_Spilner
Community Leader
Mega Contributor

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


@ChiTownGirl1 wrote:

LOL IKR and First Premier tried to warn me that cancelling would drop my credit score so keep it open. I was like nope, I'm done paying monthly fees on a card I don't even use.


It would drop your score if your utilization went up, but that would only be until the disco reports. It also won't affect you if you aren't carrying any balances.




Message 21 of 44
ChiTownGirl1
Regular Contributor

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

I can't wait. By then, I should have another inquiry fall off and then I can keep rebuilding.

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
Message 22 of 44
ChiTownGirl1
Regular Contributor

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

Yes, I'm just so happy and excited. I wouldn't never guessed they'd give that limit. I've been begging Capital One for an increase for as long as I can remember lol every once in a while, they'll give me $100 to shut me up.

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
Message 23 of 44
ChiTownGirl1
Regular Contributor

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

I'm not carry any balances. My UTI is 1% right now as I'm authorized user on Best Buy card but the balance should be paid off next month.

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
Message 24 of 44
Streetervillelady
Frequent Contributor

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


@ChiTownGirl1 wrote:

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!


Congratulations on the approval and limit!

 

On Fire.gif




Message 25 of 44
Brian_Earl_Spilner
Community Leader
Mega Contributor

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


@ChiTownGirl1 wrote:

I'm not carry any balances. My UTI is 1% right now as I'm authorized user on Best Buy card but the balance should be paid off next month.


Then closing the card will do nothing to you, and even if it did, will be fixed as soon as the disco reports.




Message 26 of 44
ChiTownGirl1
Regular Contributor

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

I was ready to take the hit if it did. I had to pay a monthly maintenance fee and annual fee. They offered a $25 credit but that didn't even cover a year's worth of the monthly fees or the annual fee. Then they said they'd leave the account open for 90 days in case I decided to change my mind. LOL nope! Not changing.

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
Message 27 of 44
Bigdaddy003
Regular Contributor

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

Congratulations!! I applied today too and they gave me a SL of $13K! I was shocked!

FICO 8 Scores 07/17
FICO 8 Scores 07/19
Message 28 of 44
ChiTownGirl1
Regular Contributor

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

Congrats! And good work on those scores! Now update that siggy!!!

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
Message 29 of 44
gdale6
Moderator

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

Fantastic and welcome to myFico Smiley Happy
Message 30 of 44
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.