Well, it's been a couple years since I applied for credit with anyone. My CC bals were up to 18k, out of 20 avail. I was hurting bad. I was borderline late payment, and was OTL twice on Citi Plat. Result was 19.9% default rate, and a 10k balance! OUCH! I couldn't go through another 7 yrs of bad credit after what I went through before. I decided to move in with family for a few months. Result is 10k paid off, 8k remains. Scores jumped between 50 to 100 points with the decrease in balance. All my scores were sitting a little above 700. Figured I'd take those 700's out for a spin. Amex blue apporved 4500. I have 2900 going to BT @ 7.9% Not great, but better than 20%! And, I'll have this bal paid off in 6 weeks anyway. BofA denied (I'm not hearbroken. Never liked them when I was banking with them, but needed another card for BT). Chase approved 2500. May do BT if Discover doesn't come through. Otherwise, this card may never be used. Discover pending. I am praying for this one, with a 0% 1 year BT. Applied for 5200 BT on this one. I'll have it paid off before the year is up. / / / If discover doesn't go through, will Chase up my CL if I call and tell them I want to BT? Looks like I'm through for a couple more years! Next goal is under 10% usage, and STAYING there forever. I learned my lesson. Almost the hard way.
Maybe not! I got denied after 2 inquiries in a week for Bof A. Low and behold, today Bof A offered me a preapproved500CL IF I open a $99 savings account. A DAMN SECURED CARD. In a couple of days the 2 inquiries will be gone and I'll try and see what I'll get. Charlie
