First Credit Card

Anonymous · ‎01-11-2015

Took everyone's advice and went on a mini mini spree and also app'd for the Amex BCE which was my first choice to begin with. The rewards structure just seems to fit my spending habits better than anything else. Approved for $7,100 credit limit.

I can't even begin to thank everyone for all of the advice. I had no idea what I was doing and everyone took the time to point me in the right direction. Much appreciated.

Anonymous · ‎01-11-2015

@Anonymous wrote:
Took everyone's advice and went on a mini mini spree and also app'd for the Amex BCE which was my first choice to begin with. The rewards structure just seems to fit my spending habits better than anything else. Approved for $7,100 credit limit.

I can't even begin to thank everyone for all of the advice. I had no idea what I was doing and everyone took the time to point me in the right direction. Much appreciated.

20k in a couple of apps is a great start and this is the best place to learn how to further develop.

Mmmmm, pancakes

Anonymous · ‎01-11-2015

Yep. As others have stated I would recommend mini spree and get some credit lines started so you can lay the ground work for better AAoA later. Apping for AMEX and a CHASE card. Seems like you could shoot for the moon and try the best ones you want. Try the prequals on both sites, Chase's prequals are golden and you already have over 5k limit so you could try for CSP. I think Amex will really like your history, they seem to be very generous with light files. Discover too. Maybe even Citi double cash if that's your thing.

Anonymous · ‎01-11-2015

Congrats on your success!

Glad it all worked out for you

chalupaman · ‎01-11-2015

Congrats on all of your success! Good luck on your future credit endeavors.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

NRB525 · ‎01-11-2015

Congrats! That is a nice starting limit for your first AMEX!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎01-11-2015

@Anonymous wrote:
Took everyone's advice and went on a mini mini spree and also app'd for the Amex BCE which was my first choice to begin with. The rewards structure just seems to fit my spending habits better than anything else. Approved for $7,100 credit limit.

I can't even begin to thank everyone for all of the advice. I had no idea what I was doing and everyone took the time to point me in the right direction. Much appreciated.

Geez, I'm jealous. That's more CL in two cards than I have in six! Congrats!!

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