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What was your most surprising CC approval?

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Valued Member

Re: What was your most surprising CC approval?

I had been repairing my credit scores for over 2 years and never really thought about opening credit cards until I fell into the rabbit hole of this forum. Had EXP 696, TU 688, EQ 670 and AAoA 18yrs with a Target REDcard chargeoff from 10 years ago that I noticed in January and started to PIF. And a few lates 2.5 years ago. Not the best profile. So I was floored when I took the plunge with AmEx Brilliant BonVoy and got an immediate approval with SL $8K. Plus AmEx to me felt like an accomplishment 😂 esp after having bad credit for so long.
Starting: 1/1/19
Current:


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AmEx BonVoy Brilliant SL $8K | CL $14KCap One Venture SL $5K | CL $8KBarclay Arrival Plus SL $2.1K | CL $3.5KBarclay Apple Rewards CL $500Discover IT Miles SL $1.8K | CL $3.3KAmEx Platinum Delta SkyMiles SL $1.4K | CL $2.4K 
Message 41 of 44
Member

Re: What was your most surprising CC approval?

Probably my most surprising CC approval was these two cards: WF cash Wise, and Coastal Credit Union Premier Rewards. For Wells Fargo, I was originally supposed to get a Visa card. But when I got approved, they upgraded me to Visa Signature. I thought Visa Signature isn't typically a first card to get, but my second card I got approved for from Coastal Credit Union is also Visa Signature.




I am AU under my parents on the following cards (some of them will be cancelled due to AF)





My goal credit card:
Message 42 of 44
Established Contributor

Re: What was your most surprising CC approval?

Biggest surprise was everytime BoA gave me a CLI once it got over $40K... 

I don't think I've tried for anything that's considered hard to obtain. BoA loves me, Synch hates me.. and I sleep just fine with that.

I do plan on going for the CNB Crystal eventually, but my butt is gardening until most of my current HP's come off and my AAoA hits five years. I've got plenty of options for now.

Amex PRG (NPSL), Amex Blue Cash ($8K), Amex Simply Cash+ ($4K), Discover ($20.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase CSP Visa Sig($5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($65K), Paypal credit ($6.5K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 43 of 44
Valued Member

Re: What was your most surprising CC approval?

I had gone through a really rough patch financially around 2005, a divorce, lost my job, car reposessed, all my credit cards in collections. I couldn't even get a bank account because my ex had overdrawn the bank account and I ended up in the Chex system. Well one good thing about the experience. I learned to be financially responsible because I HAD to be, no credit to turn to, anything I wanted I had to save up for and pay cash. I learned to budget, live frugally, keep a savings (literally cash in my closet because no bank account) etc. Of course my credit was shot for years to come, no company would give me a nickle. Well in 2011 I finally got approved for a Kohls card with a $300 limit. I was so happy just to have credit I treated it like gold, never kept a balance, paid it off monthly. Then, the next year I got approved for a Merrick Bank Card with a $700 Limit, treated it the same way was bumped up to $1,400 a few months late.

 

And I kept those two cards for the next five years, never keeping a balance, paying them off the same month I used them. Then in 2016 I got a promotion at work that required a lot of travel. I needed a card with a higher balance as my company reimbused for travel after the fact. I had a checking account with USAA, so I applied for a credit card. Crossed my fingers hopping for $2,500...maybe even $3,000 if I was lucky. Application processes...."Congratulations! You have approved for a credit line of $10,000"  What?!? I read it over thinking it must be $1,000 and I had read it wrong. Nope it was $10,000! The biggest line of credit I had ever had! After that I got a copy of my credit report, turns out while I hadn't been paying attention over the last few years, every negative account had fallen off my credit report and with the two accounts I had paid religously my credit score was a whopping 763!

Message 44 of 44
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