Every now and then I like to reflect on the progress I have made. Since my story is rather long, I decided just to do a snapshot this time rather than writing a dissertation
Where I was when I joined myfico Jan. ‘2013:
CCs – 1 – Chase (no reward) Platinum Visa
6 student loans approx. $23K
Where I am now:
All student loans paid.
1 auto loan started at $24K - now at under $7K
Discover It $8K
Barclays WEMC $14.2K
Barclays AA Red Aviator $5K
Amex PRG NPSL
Amex ED $20K
Amex Gold Delta $10K
Crew $5.1K (This may get the ax soon)
VS $2.25K
Loft $1.7K
I made a few mistakes (applying for Chase cards) along the way, but I am quite pleased with my progress. I've earned some fabulous rewards, and have the flexibility to choose what types of additional rewards I want to earn going forward.
Thank you myfico!! I would not be in this position without the knowledge and support I gained here. It has been an awesome journey!
Nice snapshot ! Congrats on the progress you worked so hard to achieve.
NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Congrats! It's a great feeling seeing your own hard work pay off!
@MstrPTato wrote:Congrats on your journey and paying down your debts! Why would you consider appling for Chase a mistake, ouf of curiosity?
Even though I was banking with them at the time and had a spotless record of pyament with them for over 4 yrs, they declined the car dealer's app. Mind you they were not IIB and I never burned them. That should have told me my credit profile was not to their liking, but I tried for the CSP and Marriott (spaced out - not at the same time). Both were denied. The CSP might have worked, but the Marriott was more of a whim app and I'm happy it didn't go through. I rarely stay at Marriott's.
For me Amex is a better fit, and they seem to have completely forgiven my past transgressions.
@FocusedAndDetermined wrote:
@MstrPTato wrote:Congrats on your journey and paying down your debts! Why would you consider appling for Chase a mistake, ouf of curiosity?
Even though I was banking with them at the time and had a spotless record of pyament with them for over 4 yrs, they declined the car dealer's app. Mind you they were not IIB and I never burned them. That should have told me my credit profile was not to their liking, but I tried for the CSP and Marriott (spaced out - not at the same time). Both were denied. The CSP might have worked, but the Marriott was more of a whim app and I'm happy it didn't go through. I rarely stay at Marriott's.
For me Amex is a better fit, and they seem to have completely forgiven my past transgressions.
+1 totally makes sense! Do what is right for you and glad that Amex is working great! Keep up the great work!