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20 Months Later-A Rebuilding Update

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Anonymous
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20 Months Later-A Rebuilding Update

This is just an update as I approach the two year mark. Scores are currently EQ 688, TU 651, EX 682

 

In my Wallet Today

Capital One Quicksilver Platinum $4300

Discover it $4200

Barclays jetBlue Plus WEMC $8500

Capital One Quicksilver WEMC $10000

Chase Amazon Prime Visa Sig $500

NFCU Cash Rewards Visa $12500

Capital One Venture Visa Sig $15000

 

NFCU New Auto Loan, $30000, 72 months @ 2.69%

 

Closed for Pruning

Credit One $600 CLOSED

Victoria's Secret $1100 CLOSED

NFL Extra Points $4500 CLOSED/Limit moved to jetBlue Plus

 

Next on the pruning list is the Quicksilver Platinum. After statement cuts in August, I will close and move limit to the Quicksilver WEMC.

 

When I took out the auto loan, I did three "why not try" apps; BoA Cash Rewards (to see if they would counter with secured), FNBO Jeep (to save on accessories for new auto), and Chase IHG. All denied, and not choosing to ask for recon on any. 

 

Currently in the Garden, planning on 12 months, but the new NFCU Amex that will be coming out this fall may coax me out. Smiley Happy

 

To see my 12 month CK update for more detail, click here.

 

Message 1 of 5
4 REPLIES 4
Cherekas
Frequent Contributor

Re: 20 Months Later-A Rebuilding Update

Nice rebuild update and your prime cards are looking nice! Use wisely. I hope to be there soon.

Score: F8 EQ 609, EX 597, TU 614 (1/17) Current Score: F8 EQ 701, EX 714, TU 689 (12/18)

Goal Score: 700+ across all 3--Gardening until May 2019
USAA Amex-USAA Rate Advantage VS- Amex Gold- Amex Delta Blue- Macys- NYC CC- Victoria's Secret- Cap 1 QS- NFCU CR- Care Credit- Firestone- Sams Club CC- Best Buy Visa- Paypal 2% MC

Total CL $96,300
Message 2 of 5
Anonymous
Not applicable

Re: 20 Months Later-A Rebuilding Update

Congrats on the strong rebuild, Bella007!  

 

You've made so much progress and gotten some AMAZING lines for someone not even 2 years out of bk7.  Seeing your success makes me tempted to apply for another Capital One product now that the one I have just turned 6 months old.  And you got in with Chase!  Nice!  Enjoy the garden and keep up the great work.  

 

 

Message 3 of 5
Anonymous
Not applicable

Re: 20 Months Later-A Rebuilding Update


@Cherekas wrote:

Nice rebuild update and your prime cards are looking nice! Use wisely. I hope to be there soon.


Thanks, Cherekas! You will be there soon! Your scores have come a long way in 6 months. Looking forward to seeing your future progress! Smiley Happy

Message 4 of 5
Anonymous
Not applicable

Re: 20 Months Later-A Rebuilding Update


@Anonymous wrote:

Congrats on the strong rebuild, Bella007!  

 

You've made so much progress and gotten some AMAZING lines for someone not even 2 years out of bk7.  Seeing your success makes me tempted to apply for another Capital One product now that the one I have just turned 6 months old.  And you got in with Chase!  Nice!  Enjoy the garden and keep up the great work.  

 

 


Thanks, Sauternes! I feel really fortunate to be able to rebuild this quickly, and with that comes a sense of responsibility to tread lightly with my utilization. Now I freak out if it's above 15-20% when having it pegged out used to be nothing to me. That Cap1 triple pull is a doozy though, but knowing I have the QS WEMC and Venture VS means I'll never have that triple again. Chase is amazing, I can't believe they even gave me $500 but I am so grateful they did. 

 

Let me know what happens with Cap1 if you decide to go for it! Smiley Happy

Message 5 of 5
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