Awesome!!! Congrats on your first new card!!! Treat it like gold and never be late. Once you get it, activate it, set up online account, charge something small right away to make sure it is reporting. Keep the new bill coming in at under 10% of total limit... so probably $300 starting limit that would make it $30 total charges that you want to stay under each new bill. Pay earlier than due date with Cap1 IMHO just to make sure they get it on time. PIF with them and they will give you automatic CLIs very regularly.
trc1963 wrote:Well guess what? I pulled out the crumpled Cap one application out of the trash and went online to the address listed, filled out the form and , to my astonishment..........Approved! Where do I apply for the other card you mentioned?You've been a great help...your my Best friend right now!
trc1963 wrote:Got your Post late....sorry! I do not plan on appling anywhere else for a awhile, but will follow up on the US app. yes..3 inq's in one day..ouch, but at least I'm on the right track. I am aware of Keeping my balance at 10% to maximize my credit status... Thank for that info. What does IMHO stand for?Thanks again!!!!
Looks like you're set! I missed this post when you first started, but for any others in a similar situation, one good option is to ask your local bank or credit union (one you already belong to) about getting a card from them.
You can always join a credit union, but if people are worried about a relative lack of history, it helps to have an established relationship already going.
Anyway, OP, congrats!