FICOS: FAIR (630-650 range) with TU being the lowest with 11 inqs
CL: 1,000
CLI: I called for a increased but was denied without a counter
App history: Previously applied and denied twice in the last 18 months.
Credit health. Rebuilding. Reports show positive history in the last 1.5 years and utilization under 15%; prior derogs reported are older than 24 months and a few inaccuracies I have not yet disputed.
I had no intention of applying for this card but browsing the forums I saw an approval and said, hey, why not take a shot before you lock down TU. I was expecting to waste an inquiry but I fell out of my chair when the "Congratulations" message showed up. This was on my 2017 wish list. The access to the financing offers will provide greater leverage on my cash flows and I'm glad to add this to my PIF portfolio. I will be aggressive with my payments with the plan to reach a $5k CL by the end of the year.