Blaze Mastercard Approval!

[Anonymous]

I know, I know. The fees suck and it's only a $350 SL. But I'm stoked! After my BK all I ever got were denials. Now I feel like I can just let my credit grow for a year or so.

I have
Car loan opened in August
Citi Secured card opened in March
Blaze mastercard opened now
Authorized user on Navy Fed secured card opened in March
Authorized user on 16 year old Macy's account with 9k limit

What do ya'll think? Stop applying for stuff and just let it grow for a year or so?

I want to clarify that I haven't been applying for stuff left and right. Only on what I've been pre-approved for, but even then I got a few denials.

[Anonymous]

I’d say let your inqs and accounts age a bit. You’re in with Citi so just prove you can handle the card responsibly and the rest will follow. Congratulations on your approval

[KJinNC]

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@Anonymous wrote:
Car loan opened in August
Citi Secured card opened in March
Blaze mastercard opened now
Authorized user on Navy Fed secured card opened in March
Authorized user on 16 year old Macy's account with 9k limit

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I suppose you became an AU on the Navy Fed card before you got cards of your own. I don't see any value in being an AU on that card, at this point. I don't have a military connection, thus no Navy Fed membership, and might be missing something special about that. I think you could have done better than the Blaze card if you waited a month or two. When I was first getting traction with secured cards, I was rejected for Discover secured in April, rejected at the start of May, approved later in May. Discover secured is a great card and it can unsecure as soon as the seventh statement. I would still try to add it, if I were you, maybe waiting a month or two to improve your odds.

Either way, in about two or three months, you can start checking prequalifications for "keeper" cards. Every situation is different, but I got my first secured card (Citi) in April, my first unsecured store card (Amazon) in May, my first unsecured Visa (Coastal) in June, got an Amex in July, and two more Amexes in August. I think the beginning of your trajectory is kind of similar to mine.

Good luck!

[Anonymous]

I was rejected for the Discover Secured card. I plan on reapplying in about 6 months. We do have a similar beginning. Except, I'm starting from scratch after a bankruptcy that was discharged in January. I burned a lot of creditors in my BK. Not even CreditOne will look at me yet. My wife, the one with the Navy Fed secured card, did recently got an approval on a Kohl's card. Which she'll probably never use. But at least it's an open trade line for now. I still haven't had luck. I WISH I could get an Amazon card because we spend over 30k a year on Amazon between personal stuff and my business. But I haven't wanted to apply because Synchrony was burned in my BK.

[Remedios]

Congrats on your approval.
Yeah fees suck, but it's a card in your name. Rebuilder cards tend not to be keeper cards, so as your situation improves, and you're able to replace it with something better, you'll be able to close it. In the meantime, it will do what it's supposed to.
Dont apply for any more revolving accounts for about 6 months to allow what you have to age, then check again and see if there are any new options available.
A year would be preferable but I'm not sure if that's doable lol
Good luck and congrats again