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I wonder if there is somebody in this forum who's new to the credit card world and whose credit history is just over 6 or 9 month who got recently approved for a decent credit card !!
if so can you plz tell what's your score and which card & and what CL you got approved for
as always, thanks to all of you !
My EQ report is on the young side. Average age is 9 months but I do have a couple of cards over a year now. Score is 706.
Citi pulls EQ for me and won't approve me for a card. BoA has been great. They approved with little history. Chase turned me down several times for short history, but I called the number that is stickied at the top in the backdoor numbers and got them to push an app through, finally.
Now, I just need to let everything age.
I have an account reporting on TU and EX that is 22 years old, so, it helps those out a bit.
My EQ is fairly new as well. This is what i did i apped for a circuit city mc by chase then in 3 months product changed to the chase freedom plus. CL is $2000. EQ fico was 713. I also think Best Buy only pulled EQ for me and approved with CL of $2500.
I got my first credit card in Oct 07.
It was a Capital One with a $300 limit. I recently applied for and got approved for a Chase gas card (still waiting for it in the mail) and Paypal buyer's credit $400.
That's pretty much it.
I have 8 months total history - Discover opened in 2/08 with $1000 limit (now $1250) and Cap.One opened 4/08 with $500 limit (now $1050).
A couple weeks ago I was approved for Chase Freedom - $2000 limit - asked for CLI at activation and it got raised to $5000! I was shocked
@Anonymous wrote:I have 8 months total history - Discover opened in 2/08 with $1000 limit (now $1250) and Cap.One opened 4/08 with $500 limit (now $1050).
A couple weeks ago I was approved for Chase Freedom - $2000 limit - asked for CLI at activation and it got raised to $5000! I was shocked
thats great is that student cards .
discover is the hardest credit card to get in the usa
@Anonymous wrote:
@Anonymous wrote:I have 8 months total history - Discover opened in 2/08 with $1000 limit (now $1250) and Cap.One opened 4/08 with $500 limit (now $1050).
A couple weeks ago I was approved for Chase Freedom - $2000 limit - asked for CLI at activation and it got raised to $5000! I was shocked
thats great is that student cards .
discover is the hardest credit card to get in the usa
I *think* that I did apply as a student when I applied for the Discover card. HOWEVER looking at the Discover website, I don't see a student application for the Open Road card, so I'm not quite sure how I accomplished this.
I know I clicked from a link on another site (which searching around for cards to attempt to apply for). And I definitely applied for (and received) the Open Road card, as opposed to the normal "student" Discover card which has the "More" rewards rather than "Open Road." I do think I filled in school information on the application though. So most likely it was a student card, but I'm just not sure how I stumbled upon it.
The Cap One seems like possibly a middle-of-the-road (or lower) one, not student specifically though... It's called "Platinum" but it appears that there are 50 different Cap One cards called Platinum so I don't think that really means anything. The #1 thing is that I applied for and received one with no annual fee.
The Chase Freedom card is a "real" one though, nothing student about it, so that was particularly exciting