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That's Great!!! Congrats!!! 1st Card!!!
Congrats!!!
@lyndon978 wrote:Thank you everyone once again! I had to apply for membership and open a checking account. I think this bank is really good and they offer good rates. They're in the top 25 credit unions in the usa right now accoring to sources
You'll also get free EQ FICO each month. I'm very happy with them; they've been my primary bank/CU for 10 years.
@lyndon978 wrote:Hello everybody! Today I am the happiest man on earth right now. I am 25 years old and I've never own a credit card in my life. This was due to because I was young and stupid and didn't know anything about credit. I've had multiple collections (mainly cell phones bills and macy's) and I didn't know that it will have an effect on me as far applying for a car loan or credit card. I applied for a credit card at my bank, applied for a car loan at multiple places and I got denied. I did a little bit of research and came to this site and it changed my life! I paid off all my debts in full, got the PFD letter, disputed with the CRAs and was able to remove 3 out of 4 collections from my credit report in a couple of months. Today I went to DCU and applied for a secured credit card cause I heard they are good at approving people with bad credit. And instantly they said I got approved for a regular credit card for $2,000 credit limit! They said my Equifax credit score is 622 with only one collection with AT&T which was paid in full. I couldn't believe I got approved. I want to thank you guys for helping me out so much. I have learned a lot. Thank you!!!
Congrats on your DCU card
Congrats on your approval.. that is a good starting limit..
I got denied last year (new accounts/inquiries).. I didn't need it but I was surprised at the denial...(i like to have a credit card where I bank..weird I know..LOL)
@CreditMagic7 wrote:
@lyndon978 wrote:Thank you everyone once again! I applied for membership after I got approved. They required me to open a checking account.
Best of luck on a great credit journey.
I wish i had this resource when i was 18.
+1
congrats
@lyndon978 wrote:Hello everybody! Today I am the happiest man on earth right now. I am 25 years old and I've never own a credit card in my life. This was due to because I was young and stupid and didn't know anything about credit. I've had multiple collections (mainly cell phones bills and macy's) and I didn't know that it will have an effect on me as far applying for a car loan or credit card. I applied for a credit card at my bank, applied for a car loan at multiple places and I got denied. I did a little bit of research and came to this site and it changed my life! I paid off all my debts in full, got the PFD letter, disputed with the CRAs and was able to remove 3 out of 4 collections from my credit report in a couple of months. Today I went to DCU and applied for a secured credit card cause I heard they are good at approving people with bad credit. And instantly they said I got approved for a regular credit card for $2,000 credit limit! They said my Equifax credit score is 622 with only one collection with AT&T which was paid in full. I couldn't believe I got approved. I want to thank you guys for helping me out so much. I have learned a lot. Thank you!!!
Congrats on your approval
CONGRATS!!!
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15