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I started my Credit journey late in life. Paid cash for everything. I got a cellphone 6 yrs ago and had to give a deposit due to no credit history.
Anyway, I got a Capital One Platinum with $2000CL in 11/2012. (not sure how I pulled that off, have a decent job. maybe that helped) Just bumped up to $2500 with credit steps. I was approved for Discover IT at $750 CL last week, waiting for card. Got an invitatation in mail. Hopefully it will have a credit score as I tried to purchase an Equifax report here and my identity could not be confirmed. Both cards were instant approvals so I'm not sure what happened. No baddies as far as I know unless my identity was stolen. No lates. I'll probably garden for an extended period as I don't need the credit.
Congrats on your approval.. The IT card sends your FICO score with the welcome package.
Congrats on the CC!
I'd pull EQ from another source as mentioned. It does take 6 months of history to generate a FICO. If the reported open date for CapOne was delayed by a month, then it's possible you wouldn't have a FICO score yet if CapOne hadn't updated for May yet. My first CC was also a Discover and had no FICO score at the time.
@jjzeus50 wrote:I started my Credit journey late in life. Paid cash for everything. I got a cellphone 6 yrs ago and had to give a deposit due to no credit history.
Anyway, I got a Capital One Platinum with $2000CL in 11/2012. (not sure how I pulled that off, have a decent job. maybe that helped) Just bumped up to $2500 with credit steps. I was approved for Discover IT at $750 CL last week, waiting for card. Got an invitatation in mail. Hopefully it will have a credit score as I tried to purchase an Equifax report here and my identity could not be confirmed. Both cards were instant approvals so I'm not sure what happened. No baddies as far as I know unless my identity was stolen. No lates. I'll probably garden for an extended period as I don't need the credit.
Welcome to the forums!!!!
CONGRATS!!
I would ask for a CLI in 6 months, will be a SP.
congrats! you will love it
Thanks for the advice. I'll see what the Discover Fico is and go from there. Since no score was received, will the 19.99 pending charge come off if I don't verify identity?
It's weird, friends and coworkers had to start with secured cards. One has Merrick and another has 2 First Premiers. They were surprised I moved up this fast. In 9 - 12 months I may try for the Freedom and that's it, 3 is all I'll ever need as I PIF.
@jjzeus50 wrote:Thanks for the advice. I'll see what the Discover Fico is and go from there. Since no score was received, will the 19.99 pending charge come off if I don't verify identity?
It's weird, friends and coworkers had to start with secured cards. One has Merrick and another has 2 First Premiers. They were surprised I moved up this fast. In 9 - 12 months I may try for the Freedom and that's it, 3 is all I'll ever need as I PIF.
The charge is only temporary, and not finalized. It'll disappear soon. You can also give myFICO CSRs a call to see what's up too...
Phone:
1-800-319-4433
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Sat - Sun 7am to 4pm Pacific Time
Grats!!