I have been browsing these forums over the past couple of years. My first car ever was repossessed back in 2012. Tanking my unestablished credit to the low 400s. Since then I have paid off collections and my repo has fallen off. My scores are 640-700 depending on the CRA and running about 18-20% utilization accross all revolving accounts. My goal has been to qualify for a high limit card someday. NFCU has done it for me! I applied for an account over the summer and opened a secured card. After 6 months it still hasnt unsecured but I decided to call in and see if I was pre-qualified for anything. The agent told me I was pre-qualified for all of the cards and I decided to pull the trigger on the cash rewards. Instant Denial. I appealed and still denied. Something told me to apply for a different product and I am not entirely sure why but I did. Instantly Approved for the More Rewards Amex for 15K. I nearly had a heart attack! All the hard work has finally paid off. Thanks for all of the helpfull posts and information. Great Community of knowledge. Next Goal is a mortgage in the next few years (once my scores are at 750+).
Congrats! Great turnaround!