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Finally broke the 1k limit!!!!!!!!!!!!

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jcstarkey8826
Established Contributor

Finally broke the 1k limit!!!!!!!!!!!!

I've been trying for so long to get a decent card I didnt have to keep paying every week to keep using. I didnt even apply for this card, I just applied for an auto refi through our local CU, and with that pull they also approved a $1500 CL @ 14.99% APR.

 

I'm so thankful I dropped my car payment and got approved without even apping!

 

Very happy camper Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 1 of 10
9 REPLIES 9
tennisfan78
Established Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

wow, congrats!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 10
Epcot
Valued Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 3 of 10
shakalaka
Established Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

Great Congrats



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 4 of 10
chnceit
Valued Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

Congrats! On your way to higher CLs


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 5 of 10
HindSight_20_20
Frequent Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!


@chnceit wrote:

Congrats! On your way to higher CLs


+1 Yep!


Goal Score: EX 700|TU 700|EQ700

Take the myFICO Fitness Challenge



HiltonHonors AMEX 2K | Amazon Store CC $800 | Bed Bath & Beyond 2K | Lowes CC 11K | Cap 1 Secured $500 | Cap 1 Plat $300 | Cap 1 Savor 1K |Citi Secured $200 | Target $500 | Kohl's $1K | Truist Cashback 4.5K | Penfed Power Cash Back 3.5K |Apple Pay CC 3K | Venmo Sig Visa 7.5K | SECU 13.5K | Bragg Mutual FCU 10K | Best Buy Citi Visa $2.5K | DiscoverIT CB 11.5K
Message 6 of 10
rtw
Established Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

Congrats!!!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 10
youngandcreditwrthy
Senior Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

Congrats!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 10
creditnocash
Valued Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!

Happy for you man. 

 

What did your auto loan drop too? 

 

Does this cu report too all three bureaus?



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 9 of 10
jcstarkey8826
Established Contributor

Re: Finally broke the 1k limit!!!!!!!!!!!!


@creditnocash wrote:

Happy for you man. 

 

What did your auto loan drop too? 

 

Does this cu report too all three bureaus?


Thank you, and thanks to everyone.

 

The loan went from 12% to 4% and dropped my payment close to $200/month. Im not sure if they report to all three CBs, but I'll find out. I just assumed they did. I'll ask them Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 10 of 10
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