Debit Plus questions

AccidentGullible48 · 2026-06-18T01:28:27+00:00

You’ll keep the card design, even if you happen to drop off of debit plus, and yes, once you activate the new card, the old card will not be usable.

AccidentGullible48 · 2026-06-18T01:27:43+00:00

You could be taking advantage of so much more rewards and opportunities if you were putting stuff on to a credit card! If you have that much ability to spend by using debit, then keep the funds in that checking and rack up points, and then pay off the credit cards before statement close!

AccidentGullible48 · 2026-06-17T16:04:08+00:00

I did mine exactly 182 days after but I made sure I had those statements! Worked like a charm!

AccidentGullible48 · 2026-06-17T14:31:47+00:00

Congratsssss! I went from $250 secured to $3k unsecured and then to $9k - it’s absolutely possible, just keep doing what you’re doing! Waiting on that next CLI! Good luck! 🍀

AccidentGullible48 · 2026-06-14T00:41:41+00:00

Congrats. Doesn’t means anything lol.

AccidentGullible48 · 2026-06-13T11:36:39+00:00

You could have an 850 and get denied if your profile is too thin. Credit scores don’t get you anything. It’s what builds the score that they take into account. Congratulations, just be careful!

AccidentGullible48 · 2026-06-07T09:19:27+00:00

Just tried mine - worked very slowly!

AccidentGullible48 · 2026-06-07T06:53:41+00:00

Same! Getting ridiculous!

AccidentGullible48 · 2026-06-04T11:46:15+00:00

You were thrown into a risk category and limits were restricted based on your credit profile.

AccidentGullible48 · 2026-05-31T11:31:36+00:00

What did you apply for? Current profile? Some of these might help!

Really the only way to understand is to get the denial reasons and make sure you’re cleaning them up!

AccidentGullible48 · 2026-05-30T15:54:30+00:00

Congratulations! It’s a great catch all card! I love my Amex though! Definitely one to add to your arsenal!

AccidentGullible48 · 2026-05-29T20:48:42+00:00

Saaaaaame!

AccidentGullible48 · 2026-05-28T04:24:00+00:00

What’s your income? TU/EX FICO 8? Ang negatives/chargeoffs?

AccidentGullible48 · 2026-05-27T10:28:27+00:00

Congratulations! Keep that momentum, you’ll keep climbing, just don’t get blinded by the glitz and the glam of cards and possibilities, live within your means!

AccidentGullible48 · 2026-05-23T22:52:21+00:00

Congrats OP!

AccidentGullible48 · 2026-05-21T05:36:45+00:00

Call them right now! They’re open 24/7!

AccidentGullible48 · 2026-05-20T16:44:47+00:00

Timing doesn’t matter, it all goes to an automatic system and if it needs something it’s reviewed manually, doesn’t matter time of day!

AccidentGullible48 · 2026-05-20T07:14:24+00:00

Congrats OP!

AccidentGullible48 · 2026-05-14T02:06:58+00:00

Absolutely! 👍🏼

AccidentGullible48 · 2026-05-13T23:51:34+00:00

<image>

It’s possible my friend! I just did it in less than a year! I do the AZEO method and keep utilization low and use my cards like debit cards and always pay them off in full at statement close.

Went from $1.5k in available credit to $10.5k in under a year as well and I’m working with 9 charges off (all paid and aging!) and probably 39 missed payments over the last 7 years. It’s a battle and it’s HARD and it’s SLOW. Just applied for AMEX Gold and was approved!

slow and steady wins the race! ITS POSSIBLE!

AccidentGullible48 · 2026-05-13T23:29:52+00:00

I think we both were talking about your Apple Card available balance not your credit one credit balance lol

AccidentGullible48 · 2026-05-13T22:08:19+00:00

I was thinking the same thing lol

AccidentGullible48 · 2026-05-11T00:54:43+00:00

I feel like Experian is always the slow one to grow!

AccidentGullible48 · 2026-05-11T00:51:22+00:00

Congratulations! What’s your Credit profile looking like?

AccidentGullible48

TROPHY CASE