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Quicksilver Approval!

jayjayhawaii
Regular Contributor

Quicksilver Approval!

I'm brand new here, but I've been lurking you guys' forum for a year or so and it has helped me tremendously. In college I took my credit, wrapped it up in a nice hefty bag and threw it in the trash. I had zero understanding of how credit scores worked, and was utterly confused. At 21, I viewed credit cards mostly as a free money ponzi scheme. Borrow $300 from creditor A, spend on partying, pay back with creditor B. Borrow $500 from creditor C, spend it on a car and pay back with creditor D, and so forth. Went full speed into an iceberg and sank like the unsinkable ship I thought I was. I even miscalculated the amount of lifeboats I'd need.

I've grown.

18 months ago my Experian FICO score was 455, today it's 584 with TU at 609 and EQ at 624. I finished grad school in 2016, got a good income and realized I needed a credit score if I didn't want to rely on Craigslist for every purchase.

Thought I'd finally join as I was just approved for my first non-secured, non-subprime cc! It's a Quicksilver One with a $300 cl, but a year ago, I couldn't even get a $300 cl from First Premier lol.

Other cards I have are Discover It secured with a $2400 cl, Capital One secured with a $500 cl. Have some subprimes, First Access, Milestone, First Premier and Credit One, all with $300 cl mainly just for easy budgeting and to keep my utilization low at this point.

Credit Cards:


Misc Revolvers:

Current FICO8:


Wish List:


2017: $200 secured card
2021: $120,000+ total credit line
Message 1 of 15
14 REPLIES 14
c00mtg
Valued Contributor

Re: Quicksilver Approval!

Congrats OP!!



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 2 of 15
avp99
Frequent Contributor

Re: Quicksilver Approval!

Congrats and welcome to QS family.





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $20K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 3 of 15
jayjayhawaii
Regular Contributor

Re: Quicksilver Approval!

Thanks!

Credit Cards:


Misc Revolvers:

Current FICO8:


Wish List:


2017: $200 secured card
2021: $120,000+ total credit line
Message 4 of 15
bossbabybrad1
Frequent Contributor

Re: Quicksilver Approval!

Congratulations and welcome to the forum!

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 5 of 15
ttulaw
Established Contributor

Re: Quicksilver Approval!

Congrats and welcome! Now that you’re no longer just lurking, please join in conversations and share your experiences and future successes!






Message 6 of 15
Tigers09
Valued Contributor

Re: Quicksilver Approval!

Congrats on your Cap1 approval and growth.

Now that you picked up a decent one, time to boot one of the others

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 7 of 15
19eighty5
Senior Contributor

Re: Quicksilver Approval!

Congrats!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 8 of 15
pip3man
Valued Contributor

Re: Quicksilver Approval!

Just an FYI, the Quicksilver One, Platinum and Journey products are all considered mainstream which essentially amounts to subprime cards. Congrats for getting ur credit back to what it should be

Macy's AMEX $47,000| Citi $13,000| CapOne $18,000| Chase $25,000| SYNCB $53,000| Fidelity $7800| Discover $3,000| NASA FCU $3,500| BestBuy $6,100| Barclay $4,400| TD Bank $1,000|

Starting Score: 490
Current Score: EQ 728 (681 as of 07/30/14) EX 721 TU 735 (669 as of 07/30/14)
Goal Score: 780

Take the myFICO Fitness Challenge
Message 9 of 15
AverageJoesCredit
Mega Contributor

Re: Quicksilver Approval!

Welcome to the forum and big congrats🙂

What do your current scores look like. With your QS1 and Disco secured, which should grad eventually, I'd say on your next good pick up, you should evaluate letting some of your other cards go. That's a lot of subprime lenders who if not managed right can cause some headaches. Best of luck on your journeySmiley Happy
Message 10 of 15
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