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FINALLY! SunTrust Secured CC Graduated!

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HindSight_20_20
Frequent Contributor

FINALLY! SunTrust Secured CC Graduated!

So after about a year and 6 months my SunTrust Secured CC graduated! Smiley Happy

Received a letter in the mail 'Congratulations after a year review of your ST Secured CC we have moved you to an unsecured CC and moved your deposit to our ST Savings acct.

 

Data Points:

Opened late 2019 with $320.00 (Fico 8 at that time 618)

Collections on report at the time = 3

Other CC's at that time = 4 (all secured 'see siggy')

Never misses a payment / ran about 60% of SL on it every month and paid it off about an avg of 40 to 60 days later.

 

Fico at time of graduation EQ 702, EX 634, TU 624 

Bal at time of graduation = $0.00

Collections at time of graduation = 1 (PFD the other 2 a couple months ago)

 

Moved to unsecured at the same SL of $320.00 Smiley Frustrated but i'm good with that right now.  Last of my inquires fall of in June so I want to keep things clean right now for thie mortage trigger I'm pulling in April 2022.

 

But I'm not going to lie Smiley Very Happy I was thinking about pulling that PC trigger with SunTrust just to see what I could get but chickened out Smiley Surprised

 

If anyone has done a PC after a SunTrust graduation please let me know how it went - (I just paid all my CC to $0.00 and took the FICO -11 point hit so now my EQ is sitting at 691) so there's that. 


Goal Score: EX 700|TU 700|EQ700

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HiltonHonors AMEX 2K | Amazon Store CC $800 | Bed Bath & Beyond 2K | Lowes CC 11K | Cap 1 Secured $500 | Cap 1 Plat $300 | Cap 1 Savor 1K |Citi Secured $200 | Target $500 | Kohl's $1K | Truist Cashback 4.5K | Penfed Power Cash Back 3.5K |Apple Pay CC 3K | Venmo Sig Visa 7.5K | SECU 13.5K | Bragg Mutual FCU 10K | Best Buy Citi Visa $2.5K | DiscoverIT CB 11.5K
Message 1 of 11
10 REPLIES 10
AllZero
Mega Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congratulations on your 🎓 graduation!
Message 2 of 11
CreditAggie
Community Leader
Super Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congratulations on your SunTrust graduation!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 11
M_Smart007
Legendary Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congratulations on your Graduation!

Message 4 of 11
TIPPY-BOB
Regular Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congrats 🎉🍾👏 on your SunTrust graduation! 🤩

Message 5 of 11
mrcraft
Valued Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congratulations on your graduation!!



Message 6 of 11
Total80sKid
Senior Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congrats on the graduation!

Message 7 of 11
tbque
Valued Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congrats on the SunTrust graduation!






Message 8 of 11
bbeaver2013
Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congrats. I have a bbt secured card I wonder if it will unsecure as well since suntrust and bbt are merged together now.

Message 9 of 11
manbuckets
Regular Contributor

Re: FINALLY! SunTrust Secured CC Graduated!

Congrats on your SunTrust graduation!

Current Cards/Loans:
Future Cards:
Message 10 of 11
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