So I see why it's so difficult to garden, saw all of those BB&T offers floating around, and figured, I'm in the service area, why not?
Went for the Bright card, since my travel spend is gonna be on the CSP and I don't drive anywhere, so the rewards card wasn't too appealing to me.
Approved, SL of $3500
FICO 8 scores: Equifax - 713, Transunion - 699, Experian - 701
Cap 1 Quicksilver - $696.15/$8500 - 8.2%
Chase Amazon - $0/$2500 - 0%
Last late was Feb 2018, bunch of lates on my reports, all missed student loan payments, mostly from 2015 or so.
AoYA - 5 months
AoOA - 14yrs
AAoA - 8yrs 2 months
Income sufficient to support these limits. Please let me know if you want any additional DPs!
Will update if I see a HP, but I kept reading this was a SP on Equifax. So now, to the garden for me!
Thanks all! Looking forward to a 10 month stay in the garden now lol
Yea student loans are the ABSOLUTE worst. Sent multiple GW letters, they all quote the same thing back to me lol. Not to mention, if you've had deferments/forbearances, you have to make sure you're tracking your credit, because they'll randomly incorrectly report your payment status for the month. Just the worst. To be fair, I was just being reckless and not paying them whenever I needed an extra couple hundred bucks, now that I understand the importance of just paying your bills on time (lol), I won't be missing any more payments, so just have to make sure they're reporting everything correctly.
congrats were you pre-qualified or you just cold app
I was pre-qualified for the 3 personal cards, just grabbed the one with the lowest APR since I already have a travel card to meet a SUB for and the cash rewards card wouldn't really help me much.