Petal 1 VISA APPROVED $3600 SL

CreditRebuilder2020 · ‎02-07-2022

I have heard wildly different reviews on this card, I have a close friend who was given some fairly generous CLI's who is further behind in his credit rebuild than myself. First Data Points: EX: 698 EQ: 700 TU: 713 23% UTL - No Baddies, 35 inquiries on my EX (which they pulled). Gave me a 22% APR () but I'm not going to be carrying balances with this thing, just another nice stretch for my overall CL's and will help utilization.

Went on a spree at the beginning of last year and pulled some nice ones. Apple Card, Verizon VISA, & got some nice CLI's from Synchrony at the beginning of last year.

I was super happy with the SL from Petal 1 & am fairly excited to get the card. I have been looking to get a CITI Double Cash but they just DO NOT LIKE ME lol - Early next year I should be in the window to apply for CHASE. Not in the 5/24 at the moment.

It's been a great 5 years. Full rebuild after a car loan gone south, bunch of collections, screwing up my student loans. My Credit Karma Vantage scores were just over 400 in early 2017. Took a long ways for me but getting these kind of SL's feel really nice.

X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs

coreyb80 · ‎02-07-2022

Congrats on the approval! I have this card as well and I have no complaints about it. Couple more payments and I'll see how they do with my CLI. I've used it as my bar tab card.

gdale6 · ‎02-07-2022

Grats on your Petal 1 approval

CreditMagic7 · ‎02-07-2022

Congratulations on the Petal 1 Visa Approval!!

Elpadrino1 · ‎02-07-2022

Congrats on your Petal approval!!

M_Smart007 · ‎02-07-2022

Congrats on your Petal 1 Approval

CreditAggie · ‎02-07-2022

Congratulations on you Petal approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

MartyWrite75 · ‎02-07-2022

Congratulations on your approval! Nice!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)