Zync Approved!!

[Anonymous]

Hello Everyone,

I know there's a ton of posts that come around about people getting approved, but I cannot tell you enough how excited I am I got approved. I went from a few years ago to bad, bad credit scores to not wanting to open my mail and face the fact I had a crappy situation to really hunkering down and taking control of my finances. To give you an idea My TU is 674 (myFico), EQ: 655, and EX: (634-713 on some FAKO sites). I'm 99% I can get into NFCU (since my dad was in the Navy), so I just wanted 1 credit card (ideally AMEX) before I got one of NFCU cards. Right now I have a GAP card ($500 limit), Capital One $1500 limit, BBRZMC $300 limit (never increased ), and two AU BOA $9800 limit and BB Store Card $3500 limit.....and to boot my util were about 65%. I took a flyer and now (besides joining NFCU) I'm going to garden like there's no tomorrow. : )

But, I did want to thank myFICO for all of the great information. I've honestly, truly learned more on my own in the past 2 months than I did in 10 years of watching my parents screw up their credit.  : ) But, now I'm in the AMEX club : )

Thanks again everyone.

[Anonymous]

Congrats! I got approved for the Zync today, myself. It's pretty exciting to know you're steadily growing your credit score and gettting a good handle on your finanaces, isn't it?

When you were approved for your CapOne card, was your opening CL $1500, or did you have to work up to it? If so, how long did it take? I have a Platinum CapOne with a CL of $750, started out at $500. I've had it for nearly 18 months now, and honestly I'm a little frustrated it's still at $750 when I have other prime cards with much higher limits.

[Anonymous]

I never actually asked for a CLI. When I was approved for the card, I was enrolled in a "credit program." I had a $1000 CL, and said on my 7th statement they would increase my limit to $1500. My 7th statement is coming up, so I'm thinking of calling and seeing if I can get it bumped up to $2000+ before it "automatically" goes up. Other than that, realistically I don't expect it go much above $1500. Besides,if I'm getting in good with NFCU and get some decent cards my Cap1 will be history in a couple years anyways. Just keep as a tradeline for the time being.

But, congrats too! IMO, for some people who've always had good credit, it might not be a big deal, but for others just getting going these things are a big deal. : ) I have two kids and we're looking to buy a house in a couple years, so getting some cards now and gardening for awhile is awesome.

Good luck, too!

[Anonymous]

Congrats on your Zync!  (both of you )

It maybe time to retire that BBZMC, just because of the AF.

[Anonymous]

Oh, trust me I plan to ditch it. As soon as I get into NFCU, get one of their rewards cards with my spouse, we'll ditch it. But, since my AAOA will take slight hit now, gonna wait a bit. I shop ton at Best Buy, but have the store card with decent limit.

[Anonymous]

Sounds like a story similar to mine..

I know and can share how you are feeling cause I got a zync in april of last year and I could not believe it.

Congrats!

[Anonymous]

Forgive my ignorance (and I've already checked the common abbreviations sticky thread), but what are BBZMC and AF?  Guessing that BB means some sort of Best Buy card?

Thanks!

[Anonymous]

Awesome, congrats!

I too got approved for the AMEX Zync today!

[Anonymous]

Oh, sorry. BBRZMC = Best Buy Reward Zone Mastercard. AF usually refers to Annual Fee unless someone might be referring to something else.

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@Anonymous wrote:

Forgive my ignorance (and I've already checked the common abbreviations sticky thread), but what are BBZMC and AF?  Guessing that BB means some sort of Best Buy card?

Thanks!

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[Anonymous]

Awesome, thanks! I'm still learning all the lingo here.