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Regular Contributor
angelcred10
Posts: 218
Registered: ‎03-12-2013
0

First Card

Took the plunge I did not want to in getting a secured to start my journey..

BoA secured only $300 since I will mainly use as gas card and PIF..

 

Saw my score jump pretty well! check my signature for that!

 

Wondering on you guys' input should I garden it until September since that will be a full year after my previous inquiry before my capital one and BoA this month?


Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000
AMEX Everyday - $4,000
Sallie Mae - $2,500
New!! Citi Double Cash - 1K
CC Pay-Off Challenge!!!!!
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: First Card

[ Edited ]

What does the total picture look like?

 

Inq

Bads

 

and yes...Congrats!!! :smileyhappy:

 

 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: First Card


angelcred10 wrote:

Took the plunge I did not want to in getting a secured to start my journey..

BoA secured only $300 since I will mainly use as gas card and PIF..

 

Saw my score jump pretty well! check my signature for that!

 

Wondering on you guys' input should I garden it until September since that will be a full year after my previous inquiry before my capital one and BoA this month?


Congratulations 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Regular Contributor
angelcred10
Posts: 218
Registered: ‎03-12-2013
0

Re: First Card


Pilotdude wrote:

What does the total picture look like?

 

Inq

Bads

 

 


The total inq. is kind of high (6 within a year) with 2 being for internet at AT&T, 1 for Cap One, 2 for Conn's, and 1 for chase.

The chase and one Cap one (it was at Bestbuy) will be off in two weeks.

The others may take a little while before the year rounds since the inq.

 

One conn's loan is paid off and the other will be paid in 2 weeks.


Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000
AMEX Everyday - $4,000
Sallie Mae - $2,500
New!! Citi Double Cash - 1K
CC Pay-Off Challenge!!!!!
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: First Card

Cap One was a denial a year ago?

 

I ask because they have a "Credit Steps" program that you might be just right for. 

Its an unsecured low limit that grows at the Seventh statement provided you make the payments on time each month.

Your mid to high 6's indicate that you might just be able to pull that one off. 

 

Maybe give it a few weeks, let the inqs due to fall off do so, and then try Cap One Credit steps program card? 

 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Regular Contributor
angelcred10
Posts: 218
Registered: ‎03-12-2013
0

Re: First Card


Pilotdude wrote:

Cap One was a denial a year ago?

 

I ask because they have a "Credit Steps" program that you might be just right for. 

Its an unsecured low limit that grows at the Seventh statement provided you make the payments on time each month.

Your mid to high 6's indicate that you might just be able to pull that one off. 

 

Maybe give it a few weeks, let the inqs due to fall off do so, and then try Cap One Credit steps program card? 

 


Well, the first Cap One was about a year ago next month however right before apping this card I had tried a student card that didn't come through (I bet now I could have gotten it?)

Is the credit steps something I see on their website or how does that exactly work?


Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000
AMEX Everyday - $4,000
Sallie Mae - $2,500
New!! Citi Double Cash - 1K
CC Pay-Off Challenge!!!!!
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: First Card

Basically they start you at a low limit, like 500 then you make all your payments on time through the seventh statement and the give you a auto cli.
It's a good way to get started.

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Regular Contributor
angelcred10
Posts: 218
Registered: ‎03-12-2013
0

Re: First Card

Wow Cap One EO called and told me they are manually reviewing my app..

it's been about two weeks since I had sent an e-mail but that it is getting reviewed may be a good sign right?


Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000
AMEX Everyday - $4,000
Sallie Mae - $2,500
New!! Citi Double Cash - 1K
CC Pay-Off Challenge!!!!!
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: First Card

Yes! Definitely a good sign! Keep us posted! Fingers crossed! :smileyhappy:
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: First Card


angelcred10 wrote:

Wow Cap One EO called and told me they are manually reviewing my app..

it's been about two weeks since I had sent an e-mail but that it is getting reviewed may be a good sign right?


My fingers are crossed good luck

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13



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