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Nice last two weeks

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Anonymous
Not applicable

Nice last two weeks

So like many, I threw my credit down the drain when I was younger. I foolishly waited 7 years for all of my charge offs to fall off of my report before I began thinking about credit again last august. I started with the $300 cap1 secured, took a credit one card, n got in with NFCU n got a gorewards for $500. In October I was pre-approved for Citi DC, and got it with a $700 limit.

I paid everything in full for 6 months (except Jan) , and then two weeks ago Navy gave me a CLI to 13k. Feeling excited I checked amex and I was preapproved for BCE and got it for $1000,with utilization showing almost 40%.

Today while my girlfriend was inside the chase branch getting the Saphire Reserve, I was thinking of a way to get into Chase even though Amex put me at 5/24. I foolishly decided to apply for the freedom while in the parking lot before my Amex hit my CR, even though I knew Chase would only see my small credit lines and likely deny me.

After I hit submit, I got an approval for $4500! Im stoked! I guess my rebuild is complete, and Im finally starting to see the fruits of the labor!
Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: Nice last two weeks

Congrats! Happy for you. Those instant approvals are the best! Smiley Happy
Message 2 of 8
Aduke1122
Senior Contributor

Re: Nice last two weeks

Nice job OP congrats on all the success
Message 3 of 8
Anonymous
Not applicable

Re: Nice last two weeks

Congrats on the Amex and Chase approvals. Keep up the good work rebuilding your credit
Message 4 of 8
Anonymous
Not applicable

Re: Nice last two weeks

What a great feeling! That is awesome. Congrats on the Chase approval. Make sure you activate that 5% bonus category and start racking up some points at the Grocery store and Pharmacy during Q2 this year. You will need to activate your bonus category every quarter.

Message 5 of 8
kidink1911
Established Contributor

Re: Nice last two weeks

Congratulations on your recent credit conquests!!

PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / Macy's AMEX Card- $4,500 / SavorOne- $500 / PenFed Gold Visa- $5,000 / Venmo Visa - $20,000 / PayPal MC- $20,000 / PayPal Credit- $1,700 / NFCU Visa Signature cashRewards- $5,800 / AMEX Delta Platinum- $4,200 / NFCU More Rewards AMEX- $3,400 / NFCU Cash Rewards- $4,000 / Credit One Platinum Visa Rewards- $1,000 / Discover IT Chrome- $1,000 / Capital One Venture- $3,550 / AMEX Cash Magnet Card- $1,000 / Belk MC Card- $800 / Citi Shell Mastercard- $400 / Credit One AMEX- $800 / Capital One Spark- $700 / Capital One Platinum- $300 / Citibank Shell- $400 / Oportun Visa- $500 / Fifth Third Bank MC- $300
BUSINESS: American Express Business Platinum- NPSL / AMEX Hilton Honors Business Card- $3,000 / AMEX Delta Platinum Business Card- $3,000 / Marriott Bonvoy Business Card- $3,000 / American Express Business Gold- NPSL / American Express Business Green- NPSL / Sam's Club Business Mastercard- $20,000 / Floor and Decor Pro Premier Business- $20,000 / Phillips 66-Conoco-76 Business Gas Card- $5,000 / Walmart Community Credit Line- $5,000 / Fuelman Mastercard- $3,000 / Amazon Synchrony Business Credit Line- $5,000 / Lowe's Business Credit- $5,000 / Office Depot Commercial Credit- $2,500 / Tractor Supply Company Business- $1,500 / Citi Exxon/Mobil Business Gas Card- $3,000 / Speedway Business Mastercard- $4,500
Message 6 of 8
NICKI183
Established Contributor

Re: Nice last two weeks

Nice job in scoring two great cards within a small window!

Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%
Message 7 of 8
thummel
Established Contributor

Re: Nice last two weeks

Congrats on the freedom approval!
Message 8 of 8
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