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Hi everyone, have been hooked on this forum hubby thinks I am obsessing but here is my story.
Moved here from the UK late summer had fantastic credit there but Zero history here, tried to apply for same cards I had there everyone declined me same reason thin file I don't even have a FICO score yet lol. I found this board and you have all been so helpful, learnt a lot. According to this board I had 2 options get hubby to put me on his history ( not an option he has lived in Europe for last 5 years so his is shot).
2nd option secured cards so I went ahead got Cap1 $500 CL, BofA $500, so came back to the board decided to garden them as the board suggested for next 6 months which seemed like a great idea since I wont have a FICO score till March/April anyway.
This is where my story get a little weird, I thought one more and then I will give up, applied for Discover card was told in to call to verify info and was approved for 1.5k not huge I know but in my case OK, is this normal I have only had my secured cards since November? Anyone else had this happen to them ( hubby thinks rep fell for my accent lol).
Thank you everyone , Happy holiday
Welcome to the forums and congrats on your approvals! I'm surprised that Discover gave you 1.5k but that's great. Try to stay in the garden now and take care of your cards. Best of luck!
If you are asking if they are playing a sophisticated prank on you, I don't think so.
Congratulations on the card, and when it shows up treat it well. In 6 months or a year you will probably be ready for bigger limits and even more cards.
@financekid wrote:Hi everyone, have been hooked on this forum hubby thinks I am obsessing but here is my story.
Moved here from the UK late summer had fantastic credit there but Zero history here, tried to apply for same cards I had there everyone declined me same reason thin file I don't even have a FICO score yet lol. I found this board and you have all been so helpful, learnt a lot. According to this board I had 2 options get hubby to put me on his history ( not an option he has lived in Europe for last 5 years so his is shot).
2nd option secured cards so I went ahead got Cap1 $500 CL, BofA $500, so came back to the board decided to garden them as the board suggested for next 6 months which seemed like a great idea since I wont have a FICO score till March/April anyway.
This is where my story get a little weird, I thought one more and then I will give up, applied for Discover card was told in to call to verify info and was approved for 1.5k not huge I know but in my case OK, is this normal I have only had my secured cards since November? Anyone else had this happen to them ( hubby thinks rep fell for my accent lol).
Thank you everyone , Happy holiday
Wow, I didn't think anybody would be approved with a thin file with only 2 months of history! Congrats!
I am a bit surprised myself, although to clarify I had to speak to a supervisor some nice guy from Delaware and had to explain my story -the smallest limit I have back in the UK is about 5k although I don't think that matters right. Well we will see card is supposed to be here by Monday.
Still the info on the board has taught me a lot about American credit, thanks.
@financekid wrote:I am a bit surprised myself, although to clarify I had to speak to a supervisor some nice guy from Delaware and had to explain my story -the smallest limit I have back in the UK is about 5k although I don't think that matters right. Well we will see card is supposed to be here by Monday.
Still the info on the board has taught me a lot about American credit, thanks.
I know some of the pain. I came from the UK nearly 30 years ago, good credit there (although not 5K GBP then, that was a fortune!) but nothing transfers. I was wondering if things are different now, with Capital One cards in both places, Barclays with a big presence here now, but probably not.
I ended up getting my first US card from my bank (a predecessor of Bank of America) and once I had that for a while, other stuff fell into place. Have you looked at Capital One for Newcomers? Horrible APR but meant to be designed for this situation? Probably not needed now you have discover.
When you say that Barclays and HSBC transfer (with $150K) what do you mean? That they will give an equivalent US credit card, or that somehow they will get your UK credit history accepted by TU/EX/EQ?