Approved for Kay Jewelers ($3800), and overstock ($750, pressed cli to $950). Kays is reporting and never even did a hard pull! (This was my lucky day, as Im aware mostly Kays does hard inq).
Although, id like to give some advice that was given to me. Be careful with Kays, as they dont follow the usual min payment guidelines. For example, if i buy something for $500, thats roughly $40 min payment. Now imagine at christmas buying a couple different priced gifts- you can end up with huge min payments. Doesnt matter as long as you pay in full though.
Im excited but enough with store cards.
Current cards- CapOne QS $1000 (500-1000 after eo, pc'd from platinum after 11months). CapOne QS $500 (in credit steps).
Kay Jewelers $3800.
Overstock $950. (Initially $750, immediatley logged into acct and cli +200)
VS $150 (regret) shop cart trick
Avenue $250 (regret) shop cart trick
WALMART $400 (love this card and cant wait for increases, so far ony had two statements report).
Now i have plenty to rebuild with, and hope to qualify for much better cards in 6mths- 1year
My starting score was 561 (EQ fico) in july 2014, current scores- 633 (EQ Fico) 606 (Walmart TU score)
only recently known EXP FACO 649 (credit sesame) but i suspect more like 600-610
THANKS to everyone for sharing their stories!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
