So backstory, I had a lot of high interest debt that I got discharged. (I DONT REMEMBER IT ALL)
$16,000 USAA rate advantage
$9,000 USAA visa signature
$6800 USAA personal loan
$4900 chase sapphire preferred
$3800 USAA personal loan
$3400 to Goldman Sachs due to the Apple Card
$2800 to the Amex gold card
$1800 to capital one
$900 to the Amex every day card
$900 to discover
$13k in an auto loan I’m still making voluntary payments on.
I burned a lot of banks so I need to be careful. I maintained a 630+ fico/690+vantage score after I got my discharge.
It’s been 8 months since my discharge, none of the banks I burned approved me for obvious reason. I still had a credit union card with a $600 limit and $0 balance reporting which helped me out a lot. I started with a $200 secured card with a $25 annual fee and no benefits other than extending credit.
My new card is through milestone. The interest rate is pretty high which is understandable. However I don’t have the credit one bank terms, and I have a $2,000 limit with no annual fee.
I think this is going to help me in the long term, especially with mortgages and negotiating with the creditors I burned.
submitted by /u/ttyyuu12345
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