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I applied for Capital 1 Platinum and Quicksivler after showing as pre-qualified and was approved for both, initial cl of 2000 on each.
From what I understand you should have 3 cards so I'm not sure what to do. I have an Amex card that has survived so far, but I haven't used it in a really long time and have no balance on it. I'm positive the minute I would use it they would do a soft pull and close so I'm not sure that I want to count on that for my 3rd card.
Should I suck it up and do credit one for a year? I also saw something about the L Card on creditkarma and that has a lower annual fee but no prequalify site.
At this point you are passed the credit one stage. You have excellent starting limits with capital one.
congratulations on your discharge!!!!
I sucked credit one up, but discover was also nice to me and capital one.
@Anonymous wrote:I applied for Capital 1 Platinum and Quicksivler after showing as pre-qualified and was approved for both, initial cl of 2000 on each.
From what I understand you should have 3 cards so I'm not sure what to do. I have an Amex card that has survived so far, but I haven't used it in a really long time and have no balance on it. I'm positive the minute I would use it they would do a soft pull and close so I'm not sure that I want to count on that for my 3rd card.
Should I suck it up and do credit one for a year? I also saw something about the L Card on creditkarma and that has a lower annual fee but no prequalify site.
Great job on getting some nice cards right away! It is true that you need 3 cards to optimize your FICO score. Nothing says you have to get all 3 cards at the same time though. Maybe let the Cap1's age for 6-7 months and pick up a Barclay card GL
You will probably get a Merrick "double your credit line" preapproval in the mail.
It worked out well for me. Started at 900 went to 1800 7 months later.
No fees, no issues.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
Great job on new cards! Wow, I had to wait five years since I had a Chapter 13. You are way ahead of the game.