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Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: 5 Months of Building. Anything i qualify For?

Congrats...you are well on your way!!!

*8/10/13
Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Re: 5 Months of Building. Anything i qualify For?

......... approved for Chase Freedom........ i think i really need to stop now lol.. Dont know my credit limit yet but they said Approved and card should be in the mail in 7-10 days.. i think 4 cards is enough for now.. Yay!

Im assuming they pulled my equifax

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Member
smtclirim
Posts: 64
Registered: ‎02-23-2013
0

Re: 5 Months of Building. Anything i qualify For?

try walmart and citi.Your equifax score is good

Starting Score: 06/03/2011 TU 625 EQ 612
Current Score (myFico ): February 2013 TU 720 EQ 720 EX 734
Wallet: Lowes15k, Paypal Mastercard 14k, WalmartDiscover 14k, Samsclub Discover 14k, Citi Forward 8.5k, PenFed Visa 6.5k
Challenge: App Free since 02/10/13. Next apps July 2013




Valued Contributor
TiggerDat
Posts: 1,070
Registered: ‎10-15-2011
0

Re: 5 Months of Building. Anything i qualify For?


Sabrian31487 wrote:

......... approved for Chase Freedom........ i think i really need to stop now lol.. Dont know my credit limit yet but they said Approved and card should be in the mail in 7-10 days.. i think 4 cards is enough for now.. Yay!

Im assuming they pulled my equifax


If you got approved that quickly for a Chase card you should actually try for the Discover IT card right away, as it compliments in some ways the Freedom card on the 5% cash back categories. 

 

Just because you have never been pulled by TU or Experian doesn't mean you don't have a score there.  The accounts you do have and have had do report to more than one bureau!

 

If you do try the Discover card and they deny you, then simply call them for a recon and ask if they would even consider you for a low limit.  I got denied by Discover and through the recon got the card for a $1000 limit.  I did not get approved for the Freedom and had to recon that too.  The fact that you got the card without a recon might suggest that you have a better opportunity.  It might have simply been who you were applying with before as to the reasons why you did not get approved. 



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Re: 5 Months of Building. Anything i qualify For?

ALRIGHT!!!! Here we go

 

Cap 1 Secured card - 316.00

OneStopPlus.com - 750.00

Walmart - 400.00

DISCOVER IT - 1000.00!

Chase Freedom - 3000.00!!!!!!!!!

 

When the customer service rep said i had a 3000 limit I about fell over!!! But i am definately done. I believe i have gotten into some pretty decent banks and hope to gain a great relationship with them and i'm sure my credit score will probably take a nose dive but within 1 year i should be alright.. Thanks everyone at this bored yall have been great!!!!!!!! Can i get an invite to the garden now LOL!!!

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: 5 Months of Building. Anything i qualify For?

[ Edited ]
CONGRATS!!!!!

Your well on your way with those approvals!!!!


 



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Re: 5 Months of Building. Anything i qualify For?

Let me also state that i have been with my current job (Publix Supermarkets) For 9+ years so that may have something to do with it as well. The thing that shocks me the most is it was definately not my income because all i make a year is 26308.00.. Plan to take very good care of these cards and not screw up.. 26 years old here

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: 5 Months of Building. Anything i qualify For?

@OP - Are you currently rebuilding, or did you have any pre-existing line of credit "i.e a loan"? Or are you just new to credit? I got denied the other day for a Discover IT card couple weeks ago, so I'm curious. I think after my next statement, I might try to take a stab at something. Congratulations on your endeavors thus far!

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
0

Re: 5 Months of Building. Anything i qualify For?

Reading that you got the Chase Freedom with that limit is a shocker with so little history. I read of people getting denied with more history than you and even with recon they end up with very low CL. This does tempt me and makes me wanna apply, but I'll just apply my itch cream and wait til January to do my little app spree.


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Re: 5 Months of Building. Anything i qualify For?

@Warjar, 

I am assuming that since i got such a great limit with chase that they pulled me Equifax score which is a 708 FICO. I had a 1500.00 loan from badcock 3 years ago and paid that off in about 1 year and 6 months. Then all i had after that was a Capital one Secured visa card initially i only got a 251 credit limit but increased it to 316 about 3 weeks ago. I do not have a TU FICO yet because my TU report is so limited (5 Months) because badcock does not report to TU (Atleast where i live in florida). 

 

Keith

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720


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