Hello folks. A couple of weeks ago I started a fun thread for the community to share stories for denials that they never saw coming. We all know that in the game of credit, we gain some, and we also loose some. For someone like myself who has a young credit profile. I am curious to know your stories when you started out as a young credit nerd. Venturing out into building your credit profiles, cleaning up your reports, recovering from past mistakes in the attempt to start over. It's a challenge when you have a young credit file. Almost every lender would either shut you down for inexperience or start you off with a really low limit. So i'd like to know if there are any interesting stories out there about their most suprising Approvals! Banks whom you never thought you'd even get approved for ever, but you did. And any SL's that made you stare at your computer screens for a long few minutes to make sure you are seeing the high figure that is displaying on your computer screen just to make sure you are seeing it correctly.
Here's mine, I never thought I'd ever get approved for an AMEX card ever. I always thought, they were only meant for high income earners. But I wanted to build my profile strong enough to qualify for one, but I did not expect that an AMEX approval would happen to me on the early stages of my build. I applied through the phone with an AMEX csr and after gathering all of my info over the phone he said "I cannot complete the approval process on my end, this means that you are neither approved nor denied, I just need to transfer you over to another department to complete the application process." I was so certain it was leading towards a denial. But, It was the fraud dept. just confirming it was me who applied. I have never been so anxious to find out what my fate was. But then he said the magic words, Congratulations! You've been approved! Let me tell you, I never even bothered to ask what my SL was. I was smiling all throughout that conversation, and I cannot remember how many times I thanked that agent for the approval. I was 6 mos. into my average age of account history. With only having a secured card reporting. My SL was 1K, but still, I was over the moon being able to get in. But my story did not end there. 6 mos. after that approval, I thought maybe I'd add another AMEX and applied for the Blue Delta Skymiles. I was almost sure this second revolver would get started off with a 1K limit as well when the computer said congratulations. I was happy to get that approval again, but what made it even more special was that, when I linked that newly approved card to my existing Account page. SL of 15K! I had to log out and log back in to make sure it was correct, I called customer service just to confirm that their systems were ok and that my limit was indeed 15K! Who would have thought that someone with barely a year in of AaoA would result in something so positive. I started this thread to be a place for the rest of us to share our inspiring stories, so that the rest of us with young profiles whether or not they post here or just read through threads could have something to look forward to. So hopefully you can share yours. Whether it was an approval you never expected, or it was a nice SL you never thought was possible, someone somewhere might find it inspiring.
Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
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