Established Member
Posts: 26
Registered: ‎05-08-2012

approved for first unsecured card!

Have been cleaning up my CR with lots of help from you folks on MyFico (Thanks, everyone!  :smileyhappy: )


July 2012, got secured Cap1 (paid in $159 and got $359 CL). 


Today, I just ap'd for Walmart online, and got $400 store card.  (MyFico TU649, EQ 642 current scores)


I know this doesn't sound like a big deal, but IT FELT SO GOOD!!!



Want to try for cc with my local CU, but will wait for these to report for a few months.


HuntingMama:  Dec 2012 = EQ scorewatch 649, TU myfico 649

HuntingPapa:  Dec 2012 = EQ scorewatch 625, TU myfico (Nov 2012) 604


Established Contributor
Posts: 629
Registered: ‎09-18-2011

woRe: approved for first unsecured card!

wow, congrats!!!

Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Regular Contributor
Posts: 203
Registered: ‎07-20-2012

Good job! Keep it up!

Good job! Keep it up!

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Valued Contributor
Posts: 1,427
Registered: ‎11-10-2012

Re: approved for first unsecured card!

Congrats on your first unsecured card!!! I know exactly how you feel. It IS a big deal because it is a reward for your hard work! So be excited and keep up the good work!

My Wallet: WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: USAA CLI (both cards) 8-15-14
New Contributor
Posts: 59
Registered: ‎09-17-2011

Re: approved for first unsecured card!


Valued Contributor
Posts: 2,953
Registered: ‎02-09-2012

Re: approved for first unsecured card!

great work!
Regular Contributor
Posts: 233
Registered: ‎10-03-2009

Re: approved for first unsecured card!

It is a big deal! 


Congrats to you on your approval :smileyhappy:

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |

Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Regular Contributor
Posts: 237
Registered: ‎06-27-2011

Re: approved for first unsecured card!

Congrats on the approval - always good to have already one GECRB - they grow fast and you get a free monthly TU score now.

Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Valued Contributor
Posts: 2,784
Registered: ‎10-10-2012

Re: approved for first unsecured card!

That's great, Keep it up. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
Posts: 1,739
Registered: ‎10-28-2011

Re: approved for first unsecured card!

Congrats.  No dont go on any app sprees cause you got approved for walmart.  let the walmart card grow then app for something in about 6 mos.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+