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FNBO approval....I can't believe it!!!

Valued Contributor

Re: FNBO approval....I can't believe it!!!

Very nice......

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800

Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 11 of 16
Super Contributor

Re: FNBO approval....I can't believe it!!!

Congrats snowkitty,

BUT, I really think you should hit the garden now. I've read/been a part of all of your threads about apping and you must have opened 11 or 12 accounts in the past month or two. I don't want you to start getting hit with AA for too many new accounts by anyone, nor do I want you to end up just getting addicted and sending in new appa every day and end up over your head.

Congrats, Good Luck, Use It Well.
Message 12 of 16
Regular Contributor

Re: FNBO approval....I can't believe it!!!


started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Message 13 of 16
Established Contributor

Re: FNBO approval....I can't believe it!!!

snowkitty wrote:

I never applied for amex because I thought they were out of my league right now. What I have really been wanting is the chase freedom but I thought there would be no chance of that either. Maybe I have been eligible for better cards than I thought??

Smug wrote:
Why didn't you try for a real Amex?

I cannot believe your fico score has not been hammered by now with all the new cards. I swear to gawd if you go for the real Amex and get approved, I am applying now instead of waiting until March!!!



100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 14 of 16
Established Contributor

Re: FNBO approval....I can't believe it!!!

Thanks for the congrats everyone! I really am going into the garden to stay now. I was determined to garden but honestly, getting that preapproval in the mail was just too much temptation for me. I kept laying it to the side but it was all I could think about and it consumed me. I do not regret getting the card because I honestly believe that it will help take the credit limits on the my other cards to where I want them to be. But, I will be stronger when the next preapproval comes in. I have a good array of cards and they all serve a purpose for me. Cat Happy

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 15 of 16
Moderator Emeritus

Re: FNBO approval....I can't believe it!!!

Snowkitty is the new Appbar Smiley Happy


Congrats on your success Snowkitty

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Message 16 of 16