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Jan 2019 Rebuild CC Approvals

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Anonymous
Not applicable

Re: Jan 2019 Rebuild CC Approvals


@Anonymous wrote:

You are doing exactly what I did just over a year ago.

Citi is good and will unsecure your card and send your money back fairly quickly. Took me about 6 months.

Discover was the same way. AND... they both increased my CLI a few hundred dollars when they unsecured the cards. Stick with it!

They will treat you pretty well if you show them you are behaving! LOL

 


I was just recently approved for the US Bank and Citi Secured cards, since I was getting tired of their denials Smiley Happy.

 

But, I can't find a straight answer on what good behavior is in order for them to consider unsecuring the cards. Is it PIF every month BEFORE the statement hits or AFTER? Should I let a few dollars hit the statement after making a partial payment before the statement then pay the rest? Do I let a certain amount cycle to the next statement but make sure it stays current? It's probably different for both banks but any insight from you or anyone else would be appreciated!

Message 11 of 17
Anonymous
Not applicable

Re: Jan 2019 Rebuild CC Approvals

Congrats on your rebuild and approvals !!!

 

Message 12 of 17
jonnyc
Regular Contributor

Re: Jan 2019 Rebuild CC Approvals

They’ve had it as a rule for close to 2 years, it isn’t something brand new
Bk Chp. 7 Discharged 04/13/2018
Date of filing: 01/11/2018
Message 13 of 17
Anonymous
Not applicable

Re: Jan 2019 Rebuild CC Approvals

Just keep working at it. 

Message 14 of 17
3se7ens
Frequent Contributor

Re: Jan 2019 Rebuild CC Approvals

Congrats and Good Luck! Smiley Wink

As of 3/2022


EQ.-721  |  TU.-731  |  EX.-708


Top Cards:


AmEx Gold - $10,000 POT. BofA Americard $17,000 NFCU CR. $16,000 NFCU Plat.$15,000 FNBO Visa $14,800


Disco Miles $14,000 Chase FU $13,900 USAA Signature $13,000  PayPal MC $10,000 


Macy's AmEx $25,000 Macy's AmEx (upgraded) $25,000

Message 15 of 17
blazerein
Established Contributor

Re: Jan 2019 Rebuild CC Approvals

Congrats on the approvals!

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 16 of 17
Anonymous
Not applicable

Re: Jan 2019 Rebuild CC Approvals

I know what it's like -- the struggle... Way to go and huge Congrats on the Approvals you rock!

Message 17 of 17
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