I've been busting my butt for the last 2 years trying to clean up the credit disaster I caused in college/grad school.
Most of my badies are starting to fall off my CRs and I was able to get rid of a lot of collections including a fairly recent one by PFD in the last few months.
I currently have a Cap1 card that will not move above $500 and an OB one that is at $1100. Both have ridiculous APRs.
Since one of my inqs fell off my TU report last month I decided to try today for an Apple/Barclays Visa rewards card to put my new iPad purchase on. I held my breath but didn't expect much if anything since my TU was 665 as of last week with 2 CO and one collection still on it.
I got an instant approval for $2799!!!!!!!!!
I'll put the iPad on it and pay it immediately off and then can put my business trip that I will get reimbursed for on it. I'll take a hit this month and next for that with my CS but will pay it completely as soon as those reimbursements come through and will earn some free iTunes gift cards.
I am so excited I could cry that I finally have a solid Visa card. 
TY for sharing your great story. Supa Congrats
@Anonymous wrote:I've been busting my butt for the last 2 years trying to clean up the credit disaster I caused in college/grad school.
Most of my badies are starting to fall off my CRs and I was able to get rid of a lot of collections including a fairly recent one by PFD in the last few months.
I currently have a Cap1 card that will not move above $500 and an OB one that is at $1100. Both have ridiculous APRs.
Since one of my inqs fell off my TU report last month I decided to try today for an Apple/Barclays Visa rewards card to put my new iPad purchase on. I held my breath but didn't expect much if anything since my TU was 665 as of last week with 2 CO and one collection still on it.
I got an instant approval for $2799!!!!!!!!!
I'll put the iPad on it and pay it immediately off and then can put my business trip that I will get reimbursed for on it. I'll take a hit this month and next for that with my CS but will pay it completely as soon as those reimbursements come through and will earn some free iTunes gift cards.
I am so excited I could cry that I finally have a solid Visa card.
Which visa did you apply for and what was your scores like if you dont mind my asking....
BTW...CONGRATS!!!!!!!!!!!!!!!!!!!!!
@ngerasimatos wrote:
Do you know who they pulled? Whats your DTI?
Just to avoid any confusion for new members, DTI (debt to income) is not particularly looked at for CC's, although lenders are now required to determine if one can handle the payments, and they do ask what your income is.
The ratio that is usually looked at for CC's is total reported balances owed to total credit limits, aka revolving utilization or "util."
Debt to income is generally looked at for loans, especially mortgages.