First time poster, but this is too crazy not to tell someone.
some background, currently my score is barely 600. I've been responsible the past couple years and have three capital one cards (secured, BuyPower, and QS1) with a combined limit of 2k. Clearly nothing to write home about. I have a few other various low end low limit comenity/sync store cards I've accumulated over the last two years, some very recent. Utilization currently at 42%, and two 4+ year old medical collections.
I was buying something on neimans online today and decided on a whim I'd try for one more card before the holidays. Got the pending, "call us to complete application message" and thought welp alright, time to reign it in for a year. Called in, answered two questions, approved for $700!
I'm convinced my relationship with capital one is what pulled that through, because the last time I checked my scores a month ago it was 606/602/605. I can't BELIEVE I got in the door with scores that low.
Looks to be you're being rewarded for being good for two years. Sometimes, all we need is to get our foot in the door, and then we can use it to bust that door wide open! LOL! Congratulations! You've earned it.
gardening: 01/05/2019 updated: 01/23/2019 rebuild: 2/2016 EQ 648 TU 642 EX 663 Start Mort: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825 Curr Mort.: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825 Goal Mort.: EQ 850 TU 850 EX 850 Fico 8: EQ 850 TU 850 EX 850 Take the myFICO Fitness Challenge