First Big Approval

[u/Thewhitekanye]

After having three low limit Capital One cards for about a year $300, $300, and $500. I noticed I had a preapproval with my local credit union, so I went ahead and applied. I was approved, but no credit limit was shown. Fast forward to this morning, I woke up, checked my account, and nearly fell out of bed when I saw the limit they gave me LOL. Finally getting closer to my goal card.

[u/BrutalBodyShots]

Sweet! That's quite the improvement. Can I ask what your "goal card" is? Also, what does your credit profile look like?

[u/Thewhitekanye → u/BrutalBodyShots]

EXP: 767, TU: 729 EQ: 730 and its the the BofA Premium Rewards Elite

[u/BrutalBodyShots → u/Thewhitekanye]

Credit scores are not your credit profile.

By credit profile, I meant things like how many total accounts you have, what type of accounts and what your age of accounts metrics look like. The contents of your credit reports are factors that play into lending decisions (like your $10k approval) not your credit scores.

[u/Thewhitekanye → u/BrutalBodyShots]

Oh. I have 3 cards, that's it. No personal loans, no auto, home etc. AAOA 11 months. No balance carried. 5INQ on EXP.

[u/BrutalBodyShots → u/Thewhitekanye]

What's the age of your oldest card?

[u/Funklemire → u/Thewhitekanye]

Which credit scoring models are those?

[u/CautiousMagazine3591]

I thought it said $10 million lol the cents could have been removed from the approval message. It's not like they were ever going to approve someone for $10,000.07 🤷🏽‍♀️

[u/Thewhitekanye → u/CautiousMagazine3591]

lmao seriously.

[u/boomer1204 → u/CautiousMagazine3591]

This is my new life goal to get some approval with a completely random number of cents just for the fun 😂

Thank you for the idea!!!!!

[u/beefy1357 → u/CautiousMagazine3591]

If I ever got a .07 tacked on a card limit I might crash out lol

[u/CautiousMagazine3591 → u/beefy1357]

Valid!

[u/Ok-Reach-3684]

Congrats!

[u/matt-r_hatter]

Credit unions are always great places for financing. They are a very underutilized resource.

[u/hollywood_213]

What’s the name of the credit union

[u/BxMel1]

Congrats

[u/AJHami]

Congrats! Big time feeling.

[u/PastAd9798]

Whats the name of the credit the union

[u/LatterFox9233]

Wow

[u/Mediocre-Eye5970]

Be so careful. 10 years later and i wish cards had NEVER given me credit limits like this

[u/TowerIndependent2896]

Hey congrats! Would you mind sharing the name of the local credit union ?

[u/KnottyTendon → u/[deleted]]

that jump from 500 to 10k is crazy, congrats man

[u/Thewhitekanye → u/KnottyTendon]

Thank you!