Credit Card Center Advertiser Disclosure†
07-16-2017 09:18 AM
Destroyed my credit around 2009-2010 when i was around 19 years old. Spent the next too many years going down a horrible path of drug addiction. Got clean march 9th 2015 and have been trying to rebuild from scores in the low 500s for a little over a year now. Started my journey with the notoriously bad First Premier Bank card.
I had gotten to the point where i could get accepted by all the bad credit lenders, and a decent amount of store cards (also a cap 1 platnum) but would alway be rejected by all of the big name cards (amex, citi, chase, discover, ect). Bassically any card that was actually good with decent rewards.
Before yesterday i had gotten my ficos up to an average of 654 and had these cards
First Premier Bank - $300
Credit One - $500
Capital One Plat - $500 (CLI from 300-500 in june after 5 months of payments)
Amazon store card - $1000 (just recieved CLI from 700)
Walmart Store card - $1050 (just recieved CLI from 900)
Paypal Mastercard - $700 (CLI denied)
Havnt gotten anything new or apped for much in a good couple months so i decided to try the Amex pre-approval. I try it maybe once a week and never get any offers. This time i got pre-approved for the Blue Cash Everyday card. Apped and Approved for $500!!
Later that night i was researching TVs as i am looking to get a new one and saw a promo on bestbuys site offering 10% back on first purchase with either their store card or the citi bank bestbuy visa. Apped and got Approved for the Citi Visa with a $2000 starting limit!!! I was blown away by the SL, as its almost 3x higher then my highest limit non-store card
Feels really good to have finally gotten in the door at both Amex and Citi, and to now have cards with no AF that actually offer decent cashback/rewards.
Back to the garden for now for at least a couple months. My plan is to cancel the FPB and Creditone next month before they hit me with the next AF, and just work on raising the other cards limits rather then getting any more cards anytime soon.
BTW i always pay in full every month
07-16-2017 09:37 AM
07-16-2017 10:48 AM
07-16-2017 10:57 AM
Congrats!! Low limits but gotta start somewhere. That Amex will grow fast within the next year and could have a 4 digit CL if you treat it right.
07-16-2017 11:12 AM
07-16-2017 11:14 AM - edited 07-16-2017 11:14 AM
Way to go, that is awesome!!! Feels good seeing those approvals come in. I'm so happy to hear you've gotten clean, that is an impressive feat in itself!
Sounding like op got out of CC "rehab"...
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.