Approved Quicksilver with 3000 CL after EO

Question

First post, long time lurkerI have done a lot of research on line with credit and FICO scores and I have to say, I got the best information and advise from this Forum.So BIG thanks to everyone!!! A little background about me... Until December 2014, I had no credit whatsoever, never bothered to use one. I tried signing up for a few CC a few years back, but always got denied. Exacerbated by the fact that I have almost the same name as my father, so even though I am an authorized user on 3 CC's with excellent credit history, it never showed up on my file; Even now LOL. No student loans or installment loans, my file with the CRA's is probably razor sharp with how thin it is.Started my credit journey with the Capital One Secured credit card on 12/2014 with a CL of 200, a month later I deposited 1000 to raise my limit to a total of 1200. I charge 1400 on the card on average, but always paid in full, making sure that my account only reports less than 10% utilization. On 6/20 CapOne gave me a CLI of 300 On 6/17/2015 I applied for the Barclays Apple Rewards  and was approved for 3000 CL. Against my carefully laid out plan, I decided to go on a mini app spree. Checked multiple sites for pr-qualified offers; It was a negative for Chase, Amex, and US bank; but CapOne showed I qualified for Venture and Quicksilver Visa.I remember clearly Quicksilver Visa requires "Excellent" credit, not Limited 6 month credit history with 2 accounts; 1 was just recently approved. Brimming with confidence of my recent success, I decided to apply anyway... I ended up with the 7-10 days letter The pre-qual result was probably a glitch. Not loosing hope, and not wanting to waste 3 hard inqueries, I decided to scrounge "the" Forum for an alternate recourse. Lo and behold, information on the forum led me to CapOne's Executive Office. Sent and email explaining my full situation and my excellent payment record even though I had a short history. I informed them that I had made a mistake applying for the Quicksilver Visa and, if possible, to use the already generated credit report on a Quicksilver One Application instead.Nicole from the EO team got back to me after 4 business days and informed me that, unfortunately, because they are 2 different products (Quicksilver and Quicksilver One) I would have to resubmit an application and suffer another 3 hard pulls. Another option was that she can forward my current app to the Credit Underwriter for a recon and a soft pull. After asking for additional info (ie. Income, Rent, other Investments) I was told to wait for an email on the Final Decision. Yesterday, with all hope lost, I received my approval email for the Quicksilver with 3000 CL and no annual fee!!! Woohoo!!!I wil now be gardening until at least July next year, hopefully by then, I will manage to get Chase Freedom and an Amex Card; Perhaps a Visa Signature Card too, if I'm lucky.So a BIG thankyou to Everyone on the myFICO forums for contributing to the wealth of knowledge and informtion that enabled me to be where I am right now and acheive the results I have!!! 

Answer 1

Congrats!  In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 6; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.