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Established Contributor
Simply827
Posts: 742
Registered: ‎10-15-2012
0

Itching for my first Prime card

Ever since I got an invite for Chase Freedom last week I've been itching to get a prime card. I didn't bite yet, I'm waiting until I lower my util. But every time I go to the mailbox I hope to see a new mailing. Discover can I get some love? :smileywink:

 

For some reason, before last week, I had never even thought about having a prime card. I guess I never felt worthy and thought I would always be stuck with my sub-primes. Hopefully I'll be able to close out a couple of them this year.

 

So how did you feel when you got your first prime card?


Starting Score: 515
Current Score: EQ 689 EX 703 TU 707
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Amex BCP $4100 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Valued Member
Creditseeker93
Posts: 119
Registered: ‎02-06-2013
0

Re: Itching for my first Prime card

Gof my Chase Sapphire Preferred last week and actually went to work late because I was waiting for the UPS guy. 

 

I had other prime cards, but this one made me feel like I accomplished something, especially since it was an instant approval. :smileyhappy:

***AMEX PLATINUM NPSL *******AMEX BCP 23,100***** CITI DOUBLE CASHBACK $5,900 *****Chase Sapphire Preferred $10,000 **** Chase Freedom $8,000 *****Sears Mastercard Platinum $5,000 **** Macy's Star Rewards $1,000 ***** American Express BCE $24,900 (AU) **** *****Discover IT $8,500 (AU)*****
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Itching for my first Prime card

It felt so awesome. I got in with AMEX.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Bobert22
Posts: 236
Registered: ‎01-20-2013
0

Re: Itching for my first Prime card

Was pretty excited when I recieved my Chase Freedom! Love the customer service and rotating categories!

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Contributor
BearOSO
Posts: 97
Registered: ‎10-03-2012
0

Re: Itching for my first Prime card

The word Prime is relative in the context of CC. 

Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: Itching for my first Prime card


Simply827 wrote:

Ever since I got an invite for Chase Freedom last week I've been itching to get a prime card. I didn't bite yet, I'm waiting until I lower my util. But every time I go to the mailbox I hope to see a new mailing. Discover can I get some love? :smileywink:

 

For some reason, before last week, I had never even thought about having a prime card. I guess I never felt worthy and thought I would always be stuck with my sub-primes. Hopefully I'll be able to close out a couple of them this year.

 

So how did you feel when you got your first prime card?


I am totally with you on this one OP.  I am just waiting for tax refund to finish paying off my balances so my util will nicely tucked uner 5% when I hit them up.

 

Its hard not to pull the trigger now but alas...I have waited this long...so I AM going to wait it out.

 

My first will be Discover IT followed by Chase Freedom I think.  

 

I am even debating on borrowing a friends puter so I can hit "Submit" on multiple browser windows at exactly the same time.  lol  (I think I might be a little obsessed maybe)  :smileytongue:


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
Valued Member
coroc
Posts: 64
Registered: ‎11-01-2012
0

Re: Itching for my first Prime card

I was surprised. I got two discover cards at same time with only 6-7 months of history
On my way! $FG
Contributor
Bobert22
Posts: 236
Registered: ‎01-20-2013
0

Re: Itching for my first Prime card


coroc wrote:
I was surprised. I got two discover cards at same time with only 6-7 months of history

Different accounts/2 different Discover products? Or two of the same product Discover card?

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Itching for my first Prime card

My first prime card was Discover. It's been a long road rebuilding my credit and to think of the cc's I had 10-15 years ago - and lost- makes this card bittersweet. 

I felt like I was finally forgiven for my mistakes.  A wonderful feeling. 

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Itching for my first Prime card

For me, it was bittersweet as well. Applying for the Freedom and the approval that followed was a difficult road to take. The recon process took 3 weeks and in the middle of waiting for the verdict, I received a "denial due to bankruptcy" letter in the mail. That hurt to read because I filled that BK in 2003 and it is almost 10 years old. For 7 of those 10 years, I have been nothing but a model citizen. Always paid my bills on time. That letter made me feel like none of my hard work counted. But shortly after that, the Freedom card arrived in the mail and I knew that I had one foot back in the door of prime land once again. I had some sweet cards in college that were wiped out in the BK.

I hope to try for Discover next in September. But I am happy I finally have at least one prime card in my wallet. :-)
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

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