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IT'S A SPREE: eBAY MC approval

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Frequent Contributor

IT'S A SPREE: eBAY MC approval

Yep. I lay dormant for seven months, no apps, and yesterday I got approved for an AMEX Blue Cash Preferred. And I got a Navy CashRewards CLI of $3000 (from $2000 to $5000) and so to top it off, I was a fool and apped for an eBay Mastercard. And got this kingly sum of $800!  But I don't care, it wasn't a denial and I have faith that it will grow. (APR is 19.99%, which is the "best" APR they offer on this card, right? So that's good.)

 

I'm DONE now for 2020. Back to the garden.

 

Approved-eBay-November-22-2020.jpg

Why eBay? Because I knew I wouldn't get the Navy Flagship (which I was hoping for) and I only wanted to app for a card that pulled TU. And eBay was it. It was totally stupid and gratuitous, but at least it wasn't wasted. I'm happy! Estoy feliz! 

 

Data points:

TU FICO 8 697

UTIL 3%

Debt to income ratio: Low, probably 5%.

Average of accounts: 4+ years. Oldest account 20+ years.

Income: Low (20ishK)

Inquiries: Two in the last 12 months for TU.

Baddies: Two-year-old 90 day late. Debt paid for less than full amount. No baddies before or since.


Overstock $7,750, Walmart $2.5K, Discover IT Cash Back $2.4K, Navy Fed cashRewards $5K, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17K, AMEX Cash Magnet $1K, Citizens Bank Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 697, EX 690   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal
9 REPLIES 9
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Super Contributor

Re: IT'S A SPREE: eBAY MC approval

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Rebuild Begin 7/22-FICO alternating avg's 650 + -
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Message 2 of 10
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Senior Contributor

Re: IT'S A SPREE: eBAY MC approval


@tenaya wrote:

Why eBay? Because I knew I wouldn't get the Navy Flagship (which I was hoping for) and I only wanted to app for a card that pulled TU. And eBay was it. It was totally stupid and gratuitous, but at least it wasn't wasted. I'm happy! Estoy feliz! 

 


I think you'll like this card.  I got mine in August and have found it quite useful. I believe 4 months/stmts. is the magic number for cli requests. (we shall see....goodluck when the time comes)  Also, csr told me that 19.99% was the lowest this card goes.

Enjoy this card and hopefully you'll snag that Navy Flagship in 2021. Congrats on all of your new tls!  

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 3 of 10
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Epic Contributor

Re: IT'S A SPREE: eBAY MC approval

Congratulations!

Message 4 of 10
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Community Leader
Mega Contributor

Re: IT'S A SPREE: eBAY MC approval


@tenaya wrote:

Yep. I lay dormant for seven months, no apps, and yesterday I got approved for an AMEX Blue Cash Preferred. And I got a Navy CashRewards CLI of $3000 (from $2000 to $5000) and so to top it off, I was a fool and apped for an eBay Mastercard. And got this kingly sum of $800!  But I don't care, it wasn't a denial and I have faith that it will grow. (APR is 19.99%, which is the "best" APR they offer on this card, right? So that's good.)

 

I'm DONE now for 2020. Back to the garden.

 

Approved-eBay-November-22-2020.jpg

Why eBay? Because I knew I wouldn't get the Navy Flagship (which I was hoping for) and I only wanted to app for a card that pulled TU. And eBay was it. It was totally stupid and gratuitous, but at least it wasn't wasted. I'm happy! Estoy feliz! 

 

Data points:

TU FICO 8 697

UTIL 3%

Debt to income ratio: Low, probably 5%.

Average of accounts: 4+ years. Oldest account 20+ years.

Income: Low (20ishK)

Inquiries: Two in the last 12 months for TU.

Baddies: Two-year-old 90 day late. Debt paid for less than full amount. No baddies before or since.


I 💚 spreesSmiley Happy

Message 5 of 10
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Frequent Contributor

Re: IT'S A SPREE: eBAY MC approval

Congrats on all your success.

My Cards:


Future Cards:

US Bank Cash + Visa [May 2021 0/12, US Bank 1/12 Rule]
Chase Amazon Prime Rewards Visa [September 2021 4/24, Chase 5/24 Rule]
Currently: [0/6, 3/12, 9/24]
Message 6 of 10
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Super Contributor

Re: IT'S A SPREE: eBAY MC approval

Congratulations on your approval!
Message 7 of 10
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Moderator

Re: IT'S A SPREE: eBAY MC approval

Nice, yes it will grow over time, congrats Smiley Happy

Message 8 of 10
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Valued Contributor

Re: IT'S A SPREE: eBAY MC approval

Congratulations on your approval!!

Message 9 of 10
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Valued Contributor

Re: IT'S A SPREE: eBAY MC approval

Congratulations on your Ebay Mastercard approval!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 10 of 10
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