Amex and Navy Fed Approval

So funny thing is I work at a bank, so after truly figuring out and understanding the run down of utilization, limits, and types of lending to establish good credit. After two years of bad credit and a 16% interest rate auto loan, I built my credit score up to the point of applying with navy fed for an $25,000 auto loan which was approved at 2.39% and also a credit card while there which they extended a $12500.00 CAsh Rewards card. I was feeling high and over the moon. So I have been piling up the applications that come in the mail for shred and said well might as well try for that Amex I always wanted and scored a $6500 Everyday Card with them and a $5000 Blue.  This is my testimony of doing what is needed to get where you want. I started with an average credit score of 560-600. I now sit at 712 being my lowest and 742 being my highest. I do also have a PNC cash builder credit card that they recently increased to $1000 and a terrible first premier with $250 that card I plan to close. It was my first card I got to rebuild credit. i just want to share my story and say with time it will happen. Never would I thought I would have good credit. 

CONGRATULATIONS!!! Welcome to the Amex & NFCU Families! -take care of them, as they will take GREAT care of you- Oh, and don't forget to 3xCLI those Amex's when you get them! 

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    Joe

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