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Great progress since first secured BOA card Jan 2014

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Anonymous
Not applicable

Great progress since first secured BOA card Jan 2014

After reading everyone's great posts for the last year, I am honered to submit my first post. I started no credit history jan 2014 with a $2500 secured BOA cash rewards. I think the high deposit amount put me on a good course right from jump street. Now my scores are EX 735 TU 737 EQ 730. 6 accounts. Started Discover 11/2014 SL $1000 now $4000, BOA unsecured 11/2014 now Travel rewards Sig Visa $5000CL, AMEX PRG NPSL, AMEX Everday $3000CL, AMEX JEt Blue $1000, Macy's $2100, Best BUY $3000, Chase Slate $5000. AMEX JET BLUE denied my CLI 5X over last year! Finally in utter frustration today I applied for AMEX Everyday with starting $3000CL with SP!!, go figure. Currently 5% Util and I am maniacal about paying on time, all clear, no lates, no missed. Looking forward to sharing more of experiences with everyone! 

Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Great progress since first secured BOA card Jan 2014

Welcome to the board and good job!!

Message 2 of 7
Anonymous
Not applicable

Re: Great progress since first secured BOA card Jan 2014

Thank you!!!

Message 3 of 7
SpiceIslander
Frequent Contributor

Re: Great progress since first secured BOA card Jan 2014

You've done very, very well! Keep up the good work. These boards are an amazing resource.

 

Best wishes!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 4 of 7
Anonymous
Not applicable

Re: Great progress since first secured BOA card Jan 2014

Meg thank you and I'm indebted to this forum for all I've learned. 

Message 5 of 7
OmarGB9
Community Leader
Super Contributor

Re: Great progress since first secured BOA card Jan 2014

Grats and welcome

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 7
newhis
Valued Contributor

Re: Great progress since first secured BOA card Jan 2014

Congrats!

 

Have you tried the Amex 3X CLI? I see that your ED is new, when was the last time you tried for a CLI? The next time you request one try to increase your ED from 3k to 9k.

 

My DW started on February/2014, with $500 BoA secured and $500 Discover IT Student. Now her lowest limit is Discover at $3,000 and have one Amex at $10,000, thanks to information from this forum. She even reconned her Sallie Mae limit from $3,000 to $6,000 without another HP.

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