Ok so I only applied for this card because they kept sending me offers like every three days. Anyway my story is like 15 years ago I had one card in college with a 15k limit got out of control went to judgement and since then had been adding interest, I just started using credit cards a year ago which I guess they figured out and garnished my bank account so I decided to file. I wasted alot of years because I should of filed a long time ago but oh well they did me a favor because even though I was current on all my cards (10) alot of them where no interest and had a balance so everything evened out i guess just wish i did this years ago since my credit was never that good.
Anyway I don't know if I'm shocked to get it because I think it has something to do with me being self employed so they can't verify my income really and my address is still my parents even though I don't live there so maybe the value of their house helps I don't know I was expecting a 300 dollar CL. Even though capital one was sending me offers to my current address I think because I put self employed and I put I own the home they either are not checking or don't care. Anyway I don't really need credit I just use it for business to buy stuff for clients and it's no issue to pay on time but I wanted to apply for a card where I can get points then I would use the card.
I have not checked my credit yet they told me to wait about a month but credit karma says it's a 550 just wanted to know if there is a number of cards I should try to get for the next two years to boost the score and if there is one with points that BK friendly.
