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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. ![]()
To see my 12 month CK update for more detail, click here.
Nice rebuild update and your prime cards are looking nice! Use wisely. I hope to be there soon.
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.
@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! ![]()
@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! ![]()