From the depths of subprime hell, I still rise

I've been on a credit-applying binge for a few days now. I'm on a high and I just can't stop! It all started with Providian. I received a Pre-Approved application for a platinum visa with a credit limit up to $5000.00 last week (still waiting for a response from them). Now, for those who are "in the know", pre-approved basically means you are going to get the card. The only variables are the credit limits and aprs.

Then a few days ago, I applied online for a Target Guest card (which I was previously denied by the way) and was instantly approved for $200.00! Ok, not very much, but that's the standard from what I understand. And although Target is stingy with initial credit limits, from what I hear, they are extremely generous with credit limit increases so mine should be up there in no time. My adrenaline was high so the same night, I decided to apply for a Seaman's Furniture credit card and was instantly approved for $3500.00!

Then, for the biggie. Now, I really, really doubt that I'm going to be approved for this, but yes ladies and gentlemen, I actually had the nerve to apply for an American Express Blue! I applied online and I received a message saying something like my application needs further verification and review. In short, they don't think I'm good enough :o( Oh well.... At least, now I actually have the nerve to even apply. Back in my can't-get-a-credit-if-I-gave-you-all-my-viable-organs-AND-first-born-child days, I couldn't even utter the name American Express. But as the days get brighter, and my credit gets cleaner, I'm getting bolder and bolder.

And then, just for chuckles, I decided to apply for a Home Depot credit card since hubby and I have wanted one for as long as I can remember (we just looove the place!) and BAM, instantly approved online for $2000.00! My, what a wonderful day :o) I really didn't think I would get it since I've heard it's tough to get, but I guess my stars were aligned properly. And then just to finish off, I applied for a Lowe's credit card. I got one of those messages like the one American Express gave me so I think that one was a waste of a credit inquiry. Oh well... Anyways, I will keep you posted on my road to Prime Time!


FICO Scores:
Experian - 598
Equifax - 598
Trans Union - 658

Credit Cards:
SB1 Visa - $1000.00
First Premier Visa - $250.00
Seaman's Furniture - $3500.00
Target Guest Card - $200.00
Home Depot - $2000.00
American Express - PENDING
Lowe's - PENDING
Providian - PENDING