THANK YOU to so many who responded. It warms my heart to read what you all wrote. I am alone now as there are no children and most in my family are in heaven.Thank you soooo much! Bless all of you.
I posted awhile back on the forum that I used to be somebody (entertainer) at one time and was very well off. Life took a turn (A family member I trusted took money) and I became completely broke, lost everything. My credit was horrible and I stayed away from aquiring credit for over 18 years. It was only in 2018 that I got my first card (Credit One), then Capital One. Shortly after, I found this forum, learned a lot, and developed a plan that I would only get no more than a $5k credit limit on any card. Discover was the exception. They initialy gave me $10K, now $16K.
As time and my reading and learning in this forum passed, I came up with a plan to take my wife on trips. But to do so, I would apply for top cards with perks to offset some costs. I make $64K a year now so big spending is not going to happen. I wasn't going after points or SUBs. I just wanted the perks. So, every card I have now, I called the issuer, explained my plan and was approved for the limits I wanted. In less than 7 months getting Credit One I cancelled them. Then I was approved for Capital One Plat and the Discover Chrome followed. 2 months later, the Disco Cash came. I never charged more than $100 on a card, rotate their use, and always paid the bill two weeks before due. My credit scores started going up. When I got to 699 on Experian fico 8, I tried Amex. First card was the BCE (now Preferred), then Plat, Gold, Hilton Surpass, and Marriot Brilliant. All in 8 months. Delta Reserve and Green are the latest 4 months ago. Now, Experian fico 8 is 773, Equifax 751, and Trans 727 (**bleep** Apple Card only reporting Trans). Don't mind paying AFs. For some, the perks are enough. By the way, I can tell a story about Amex saving my sister in New Orleans last year when the threat of a hurricane almost happened. Once call to the concierge and a truck was sent to get her out from a flooded AirBnB she stayed at, booked a flight, when others could not get out, and when she arrived back, put her in a cab home.
So, just when I got things in place, my wife was diagnosed with heart valve failue, kidney, and liver failures. There was hope, but her heart stopped suddenly on 1/15, 4 days before our anniversay with the next day being her birthday. I bury her Saturday.
My soulmate and plans gone.
Sorry for the long story. Sharing my life.
