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So, if you followed my dilemma with Credit One, you know that they wanted me to go into debt in order to receive a $250 CLI. Instead of owing $270 for a CLI, I closed my Credit One account. To replace the $950 CL of Credit One, I went onto Discover, was pre-qualified and decided to apply. I was approved for $12,000 for their cash back card at 5% cash back!! Yay me.
Then I started thinking, I should apply for one more card to offset the lower fico score hit I'm going to get. I remembered I had gotten a Citi AAdvantage MileUp offer in the mail. So, I decided to pull the trigger. I was approved for $9200.
Now, I'm going to be gardening for the next 2 years. Just a little background info: I'm rising from the ashes of a marriage and divorce that ruined my credit. Slowly, but surely, I'm getting a handle on my finances. If there is something I am considering to buy, I really think about whether I can pay off the charge before I buy it. I finally realized that having a credit card is NOT free money.
Credit Scores:
As of 11/18/18
EX -- FICO 8 Score: 718
TU -- FICO 8 Score: 717
EQ -- FICO 8 Score: 714
Scores January 2018
EX -- FIC0 8 Score: 656
TU -- FAK0 Score: 674
EQ -- FAKO Score: 614
@thornback wrote:
You are on a roll! Another great SL - huge congrats! Goodluck staying in the garden.😊
No, in the garden I must stay. My plans are to age my accounts and prepare to buy a home in about 3 years. I'm trying to build credit, while I keep the amount of my utilization down. Right now, my credit card utilization is %1. In a year, I will have paid off my car. And I have student loans which I owe about $13, 400. I should have it paid off in 4 years.
Yay you.......congrats on your 2 awesome approvals and NICE SL.
Congrats w both cc’s and sl woohoo!!!
Congrats on your massive approvals and amazing job on the journey!!