Capital One QuickSilver Card:: Approved!

[Zombie13]

Set Your Goals.
Envision Your Goals.
Envision the steps to Get There.
Repeat as appropriate. Multiple Times Daily if necessary.

Well, I replied/applied to the quicksilver card this evening, and got approved instantly, for a 9K + credit line. I added Barbisi as an authorized user. The docs showed my Equifax credit score is over 700+. Meanwhile, Experian score is still stuck in the mud around 650 LOL.

Additional details:
0.00% APR for 15 months on purchases, and $200 cash back on a $500 purchase if done within first three months. Well, I do know one thing I have wanted a long time, which is to replace the stereo receiver; actually, I may keep the 25+ year old Sony; love that classic audio sound man. The interest rate afterward is high: 22.49% but, we don't plan to use it then anyway LOL!
So here are our current stats: (note: definitely not bragging/gloating, just doing an analysis, and hope this serves as an inspiration for everyone)
BK closed May 2022
House sold May 2022, six figure value currently in bank
acquired credit union secured credit card, used it a few times, paid it off each time
paid off 401K loans: two of them. yes, it was painful but, we recovered a few hundred bucks each month
purchased two cars: one paid in full, one financed with Toyota
new job: 32.8% increase annual (responsibilities and challenges increased accordingly to B.M.F. level, but it's so coool!)
new location: higher cost of living yes, but new job over-compensates.

Long story short: if you want it, you can achieve it. We've been to hell and back so many times we got frequent flyer miles! But we did it.

Next up: where do we travel to?

Set Your Goals.
Envision Your Goals.
Envision the steps to Get There.
Repeat as appropriate. Multiple Times Daily if necessary.

[Barbisi]

Congratulations, Zombie13 !
I am very proud of you for going against the grain and bucking conventional wisdom by not staying in the same house at the same job after BK13 discharged and closed!
Not only did we sell the slowly eroding 47-year-old house wisely to an investor in a market that is now perceptively cooling off with nearly a dozen neighborhood houses currently available, some for more than ninety days with already reduced listing prices, but my husband also found a much higher paying job in a state with a higher COL offset by the significant raise and the full relocation package offered by his new company. We also borrowed from his 401k but quickly repaid it in full with some of the house proceeds. And since we finally had cash in hand after a 5 year +drought, we were able to ditch two old cars, one at the very end of its geriatric life, the other a 9-year-old lemon just about to need several costly repairs. So now we have two beautifully maintained used 2019/2020 vehicles that should last for a few years until this crazy inflation winds down.
I hope this little story will encourage others to think outside the box after bk13 - you can sell your house to an investor and relocate to another state where you can buy two nice used cars and still have a nice nest egg in the bank!
Plan, plan, plan and don't listen to naysayers who say you will have poor credit for 2+years and you have to stay put for years to come!