I was CH7 discharged in June 2021. In February 2022, I applied for a Suncoast Platinum Rewards and got approved for a 500.00 limit card. In October of 2022, I attempted to get a CLI and was declined (I do not recall the reason). Yesterday I went ahead and applied for a CLI again and was instantly approved for 10,000.00. My limit went from 500 to 10k; just wow! I also applied for my second BCU credit card, the Travel Rewards Visa Signature, and was instantly approved for 5k.
For being CH7 discharged right under two years, I'm certainly not doing badly. I know I applied too many times in a short span, but those cards that matter to me were approved. I can say it is undoubtedly time for some gardening. I know I won't be able to get back to Amex or Discover anytime soon, but that is okay. All the cards listed below as my "under my signature line" have been acquired since my bk was discharged in June 2021. My annual income isn't all that; around 60k, my FICO scores now are around 690-710, with many inquiries, mainly with Experian and Equifax.
My next steps are to close my Upgrade Card, Oportun, probably Mercury, and, more than likely, Mission Lane. No annual fees, and the rate is irrelevant as I pay my balances in full each month, but I have enough available credit with more desirable financial institutions now.
Credit Cards
Amazon Prime Store Card: $10,000 | Apple Card MC: $3,500 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Signature: $25,000 | BCU Travel Rewards Visa Signature: $10,000 | Bread Cashback AmEx: $14,500 | Bread Rewards AmEx: $7,650 | Capital One Kohls Visa Signature: $4,000 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $17,750 | Capital One VentureOne WEMC: $3,100 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $3,000 | IKEA Projekt Credit Card: $6,100 | Macy’s Amex $1,500 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Signature: $7,500 | Truist Enjoy Cash Visa Signature: $8,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | WF One Key+ WEMC: $9,000
BCU Unsecured LOC 5k | PenFed OD LOC 300
BCU Auto Loan $19,194.00
Rebuilding since June 2021.
NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 38K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 8k |
Starting Score: 570
