Finally got approved for something

Anonymous · ‎03-22-2017

I decided to make an account after luking for awhile now.

Normally, I don't apply for anything that requires a hard pull, but I went on a mini credit card app spree over that last week and tripled my availble credit.

Last week, I started with an Amazon since I read on here how easy they are to get and was approved with an $700 credit line. Then I decided I might as well apply with Walmart since it's the same bank and I approved again with a $700 credit line. Today, I applied for an Discover it student card, but was denied. Honestly, I expected for that to happen, but thought I would try anyway.

Now, I have a total of four cards and I think i'm going to leave it that way until my credit score gets above 680 (currently at 630).

gdale6 · ‎03-22-2017

Welcome to the board and grats on all your new cards. Now sit back and garden these for 6 months then you can look at getting more if you wish.

Anonymous · ‎03-22-2017

Agreed, good job and kick back with those. All you need is a few and 12 months of history to get going good with prime lenders. Follow that suit and avoid more apps right now. I'd say try for Discover in 6 months. Then in 12 months go for other prime lenders.

kidink1911 · ‎03-22-2017

Congratulations on your approvals!

PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / Macy's AMEX Card- $4,500 / SavorOne- $500 / PenFed Gold Visa- $5,000 / Venmo Visa - $20,000 / PayPal MC- $20,000 / PayPal Credit- $1,700 / NFCU Visa Signature cashRewards- $5,800 / AMEX Delta Platinum- $4,200 / NFCU More Rewards AMEX- $3,400 / NFCU Cash Rewards- $4,000 / Credit One Platinum Visa Rewards- $1,000 / Discover IT Chrome- $1,000 / Capital One Venture- $3,550 / AMEX Cash Magnet Card- $1,000 / Belk MC Card- $800 / Citi Shell Mastercard- $400 / Credit One AMEX- $800 / Capital One Spark- $700 / Capital One Platinum- $300 / Citibank Shell- $400 / Oportun Visa- $500 / Fifth Third Bank MC- $300
BUSINESS: American Express Business Platinum- NPSL / AMEX Hilton Honors Business Card- $3,000 / AMEX Delta Platinum Business Card- $3,000 / Marriott Bonvoy Business Card- $3,000 / American Express Business Gold- NPSL / American Express Business Green- NPSL / Sam's Club Business Mastercard- $20,000 / Floor and Decor Pro Premier Business- $20,000 / Phillips 66-Conoco-76 Business Gas Card- $5,000 / Walmart Community Credit Line- $5,000 / Fuelman Mastercard- $3,000 / Amazon Synchrony Business Credit Line- $5,000 / Lowe's Business Credit- $5,000 / Office Depot Commercial Credit- $2,500 / Tractor Supply Company Business- $1,500 / Citi Exxon/Mobil Business Gas Card- $3,000 / Speedway Business Mastercard- $4,500

Anonymous · ‎03-22-2017

@Anonymous wrote:
Agreed, good job and kick back with those. All you need is a few and 12 months of history to get going good with prime lenders. Follow that suit and avoid more apps right now. I'd say try for Discover in 6 months. Then in 12 months go for other prime lenders.

I'm definitely not applying for anymore credit until atleast September, but I will be paying my old cards down since both are close to the limit.

Anonymous · ‎03-22-2017

@Anonymous wrote:
I decided to make an account after luking for awhile now.

Normally, I don't apply for anything that requires a hard pull, but I went on a mini credit card app spree over that last week and tripled my availble credit.

Last week, I started with an Amazon since I read on here how easy they are to get and was approved with an $700 credit line. Then I decided I might as well apply with Walmart since it's the same bank and I approved again with a $700 credit line. Today, I applied for an Discover it student card, but was denied. Honestly, I expected for that to happen, but thought I would try anyway.

Now, I have a total of four cards and I think i'm going to leave it that way until my credit score gets above 680 (currently at 630).

Try the luv button for both since it wouldn't be a hp.

Anonymous · ‎03-22-2017

Congratulations on your approvals!!

Anonymous · ‎03-22-2017

Congrats on your two approvals

Anonymous · ‎03-22-2017

@Anonymous wrote:
@Anonymous wrote:
I decided to make an account after luking for awhile now.

Normally, I don't apply for anything that requires a hard pull, but I went on a mini credit card app spree over that last week and tripled my availble credit.

Last week, I started with an Amazon since I read on here how easy they are to get and was approved with an $700 credit line. Then I decided I might as well apply with Walmart since it's the same bank and I approved again with a $700 credit line. Today, I applied for an Discover it student card, but was denied. Honestly, I expected for that to happen, but thought I would try anyway.

Now, I have a total of four cards and I think i'm going to leave it that way until my credit score gets above 680 (currently at 630).
Try the luv button for both since it wouldn't be a hp.

I'm scared synchrony will start asking for verification information and I don't want to go through what many others on here have, even if it did drop my utilization down below 20%. Plus, I don't think I need more than $700 per card right now.

MrsCHX · ‎03-22-2017

They won't ask for verification but no sense wasting your time. It is highly unlikely you'll get a bump at 630. When your TU is 650 and you've had months of payments - likely to get $3,500 on each. Once your TU hits 680-definitely will get CLI and likely up to $6k.

Congrats on your new cards and the rebuild!

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500