Was approved earlier for my first Synchrony, PayPal MC $2K SL today. I was approved last month for a BOA Cash Rewards ($1K SL), I have been banking with BOA forever and have an account with several thousand dollars at all times. My FICO's were in the gutter for so long, I was getting shot down on their cards. But I'm on such a mission to get rid of my subprimes and I am here finally.
Wanted to just get these inquiries out of the way and I decided to pull the trigger on the BankAmericard because of my earlier approval. BOOM APPROVED for $2K SL. I closed my Legacy VISA and Blaze MC earlier today, both had SL's of $750 and less than a year of on-time payments. I'm closing my Credit One's tomorrow. Most of the cards in my sig have around 2 years of on-time payments and low balances, OpenSky has over 3 years of on-time payments. That's when I started my rebuild after going south on student loans and a car loan. I have rehabbed my student loans and have been on the straight and arrow since late 2016. I've got my shovel and jeans ready.....Back into the garden!
I'm done for a while now as I hope to watch these last 3 approvals grow big - Most of my spend goes on my AMEX Gold. PIF.
EXP FICO 681, 1% UTL, $125K income, 3 years on my official rebuild.
Approved on Monday morning and it came on Saturday!