So I've had a crazy credit year.
I had defaulted on my student loans in 08 and rehabbed them ending in April of 2015. In May of 2015 Navient Picked them up.
I went from getting my first credit card in my name in 10 years in June of 2015 to this approval today.
Here's the complete rebuild timeline:
Here's the complete timeline, ending with my last card today....
6-12-15 – Approved for Capital One Platinum 3k SL (my first card in 10 years)
8-11-15 – Approved for USAA WWP Mastercard – 5k SL
8-27-15 – Approved for Amex Platinum NPSL
9-1-15 – Bumped Capital One Platinum SL to 5k via CLI Button
9-2-15 – Approved For Chase Slate 5k SL
9-4-15 – Approved for Capital One Quicksilver 5k SL
9-17-15 – Approved BOA Travel Rewards $3k SL
9-29-15 – Approved AMEX PRG – NPSL
10-5-15 – Approved Capital One Venture $20k SL
10-7-15 – Approved Bank of America Cash Rewards $3k SL
10-19-15 Approved Chase Freedom $5.5k SL
10-28-15 – Approved Barclays Arrival + $3.5k SL
11-05-15 – Double Apped for 2 additional Capital One Ventures – Approved $15k SL Each
11-06-15 – Approved - DCU Platinum Visa - $7.5k SL
11-06-15 – Approved - Stash Hotel Rewards $8k SL
11-14-15 – Approved DCU Used Auto loan @ 2.99% - Total $23,495 (put 20k down on a 43k car)
12-12-15 – Capital One Auto CLI to 5.5k SL on Platinum
12-23-15 – Approved Chase United Mileage Explorer $9k SL
3-16-16 – Approved AMEX Business Gold Rewards – NPSL
4-11-16 – Approved Chase Ink Business Plus - $5k SL
5-1-16 - Combined Capital One platinum into First Venture – 25.5k new SL on Venture
5-8-16 – PC’d Chase Slate to Chase Freedom Unlimited
5-16-16 – Approved Amex Everyday $1k SL
5-20-16 – Barclays CLI to new 5.5k SL
8-5-16 – CLI’d Both BOA Cards to 5.5k SL each
8-16-16 – Approved Amex Blue Cash Everyday $2.5k SL (via email invite)
My current FICOS - if you believe the bank sites are - TU 704 EX 700 EQ 693
Now I had wanted a Sapphire Preffered, but was locked out due to the 5/24 rule. My Amex Plat renewal is coming up on my next statement, and while I like the benefits, the sapphire reserve offers more, plus a 100k UR bonus for a 4k spend in 3 months. And combined with the Freedom, and the Ink Plus, I have an easier time accumulating UR points, add to that the fact that I live next to a United Hub, and it's my airline of choice, and well, Actually Getting this card was a no brainer for me. Now them GIVING me the card was pretty much a snowball's chance in Hell. There had been some anecdotal evidence on here that the Sapphire Reserve was not under the 5/24 restriction , but at this point I'm at 23/24 (Including this new acct). I thought my chances were slim to none but I figured i would throw the dice one more time before I went out into the garden. Now a disclaimer - Both my family and I have Pirvate Client Banking at Chase, and I have my business accounts at Chase, but until now they have seemed somewhat stingy with CL's. (5k on Slate PC'd to FU), 5.5k on Freedom, and 9K on United Mieage Explorer. Anyway I went on the chase site, applied online. and Expected a 7-10 day or 30 day message. EVERY one of my other chase approvals has been delayed - 7-10 days except the intial Slate approval, so needless to say my eyes practically popped out of my head when I saw this appear....
So now.... Off to the garden I go.... My portfolio is beyond complete.
Take care,
George
Good for you, 31K and with so many apps in last 2 years you pretty much beat their 5/24 algorithm in every possible way!
Amazing.. Now people who have been holding out because of the 5/24 and going to go wild with this
. Congrats!
@Anonymous wrote:Amazing.. Now people who have been holding out because of the 5/24 and going to go wild with this
Yeah, Looks just like my profile. I should be a shoe in. lol
@elim wrote:
@Anonymous wrote:Amazing.. Now people who have been holding out because of the 5/24 and going to go wild with this
Yeah, Looks just like my profile. I should be a shoe in. lol
Hahahahahaha.. I know
. Maybe its time for a petition on change.org to Chase about the 5/24 rule for the people on myFICO
.
