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Rebuild 100% complete, $300k barrier broke!

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bizarrocreditworld
Valued Contributor

Re: Rebuild 100% complete, $300k barrier broke!

 


@AverageJoesCredit wrote:

Well what can i say? This approval might be my happiest of the last 7 years that ive been rebuilding my credit. Went bk back in 07 but didnt start rebuilding until maybe 8 /9 years after due to not knowing you could get credit after bk discharge. Duh!

 

So Sunday i decided to try again for a cc from my local bank of 20+ years Banco Popular. Ive been blacklisted hard since bk, harder than Amex, Citi etc, and they were the only FI i could not get back in with. Mind you, their cards arent  great but rhat wasnt the point. To get back in not only would complete my rebuild but maybe open up avenues for other help if i ever needed , ie loans etc ( i hope) ive wasted many a hp to get zilch lol. 

 

Filled in app, which went smoothly. Monday morning received a hp on TU and a phone call about 9 :30 am. I usually dont pick up #s i dont know but since i know i applied for credit could be them. Verified some personal info, i have a fraud alert, and somewhere in that convo, i heard approved.uhm what? APPROVEDSmiley Happy. Limit is $1700 but i dont care (  with my current debt im suprised not to get $200 haha) lol Mission accomplished😊

 

Card is on the way woo hoo , already in my home account. Comes with a 6 month 1.99 apr purchase promo and $50 SUB for $1k spend in 3 months. Earns 1.5 % cashback. Meh, but not the point haha!. Everyone knows i was short $76 to break $300k in credit and with this approval that pushes me to $301,624 in credit available.  When i got off the phone my coworker asked why i was so giddy, i just said Im BACK ....with a bank im not too fond of lol. Thanks everybody been quite the journey. Smiley Happy AJC 

 

Additional dps. 756 TU 15 hps 


I agree with @odd_dog , I love it when the good guys win. I love it even more when it's one of the people I admire on here. Way to go, AJC. 

No credit news is good credit news!
Message 11 of 108
cashorcharge
Community Leader
Super Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Outstanding @AverageJoesCredit !!  Congratulations on your achievements and your new Approval!! 🎉🥂👏

Message 12 of 108
gingerflower
Senior Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Big Congratulations on your Cc approval! 👍

Message 13 of 108
Hex
Valued Contributor

Re: Rebuild 100% complete, $300k barrier broke!

JOE!!!!!!!

That's wonderful -I'm so happy for you!!! You've done more than you know to help members of the community here and you absolutely deserve to celebrate your accomplishments. Congratulations and thank you for everything.   😃

Message 14 of 108
SPChaser
Valued Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Congrats on your much deserved and earned success!

“Play the game, but don't believe in it“
Message 15 of 108
SouthJamaica
Mega Contributor

Re: Rebuild 100% complete, $300k barrier broke!


@AverageJoesCredit wrote:

Well what can i say? This approval might be my happiest of the last 7 years that ive been rebuilding my credit. Went bk back in 07 but didnt start rebuilding until maybe 8 /9 years after due to not knowing you could get credit after bk discharge. Duh!

 

So Sunday i decided to try again for a cc from my local bank of 20+ years Banco Popular. Ive been blacklisted hard since bk, harder than Amex, Citi etc, and they were the only FI i could not get back in with. Mind you, their cards arent  great but rhat wasnt the point. To get back in not only would complete my rebuild but maybe open up avenues for other help if i ever needed , ie loans etc ( i hope) ive wasted many a hp to get zilch lol. 

 

Filled in app, which went smoothly. Monday morning received a hp on TU and a phone call about 9 :30 am. I usually dont pick up #s i dont know but since i know i applied for credit could be them. Verified some personal info, i have a fraud alert, and somewhere in that convo, i heard approved.uhm what? APPROVEDSmiley Happy. Limit is $1700 but i dont care (  with my current debt im suprised not to get $200 haha) lol Mission accomplished😊

 

Card is on the way woo hoo , already in my home account. Comes with a 6 month 1.99 apr purchase promo and $50 SUB for $1k spend in 3 months. Earns 1.5 % cashback. Meh, but not the point haha!. Everyone knows i was short $76 to break $300k in credit and with this approval that pushes me to $301,624 in credit available.  When i got off the phone my coworker asked why i was so giddy, i just said Im BACK ....with a bank im not too fond of lol. Thanks everybody been quite the journey. Smiley Happy AJC 

 

Additional dps. 756 TU 15 hps 


Congratulations AJC.  Way to go.  I guess now you can comfortably relax in the garden.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 706 TU 701 EX 692




Message 16 of 108
AverageJoesCredit
Legendary Contributor

Re: Rebuild 100% complete, $300k barrier broke!


@odd_dog wrote:

I LOVE it when the good guys win!!!  Congrats bro!!


Haha thanks my friendSmiley Happy good to see the ol' dog is still lurkingSmiley Wink

Message 17 of 108
AverageJoesCredit
Legendary Contributor

Re: Rebuild 100% complete, $300k barrier broke!


@coldfusion wrote:

Hey, congrats on getting yourself back in with them and reaching the $300K milestone. I remember you commenting before how you had been on the outs with them and it's always good to have local options.

 

I do have a card with them (Banco Popular de Puerto Rico, not the US based business unit operating as Popular Bank) and always found them pleasant to deal with on the phone.


Thanks @coldfusion . Yeah, actually they are pretty good on the phone. Because they are so prevalent here i use them since they own most ATHs or ATMs for you stateside folk lol . I guess my bad feelings are left over from all those rejections  but i can understand their reluctanceSmiley Wink

Message 18 of 108
AverageJoesCredit
Legendary Contributor

Re: Rebuild 100% complete, $300k barrier broke!


@mgood wrote:

Congrats! Accomplished two goals with one app? Broke $300k and got back in with your bank you've been trying to get in with?

 

excellent.gif


Lol ! Party Time ! EXCELLENT 😁

Message 19 of 108
AverageJoesCredit
Legendary Contributor

Re: Rebuild 100% complete, $300k barrier broke!


@gdale6 wrote:

Grats to accomplishing your rebuild goals Smiley Happy


Thanks @gdale6 Smiley Happy

Message 20 of 108
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