Made my first goal

[Josh611]

Decided to buy my myfico score on the 8th and it was 685. I set a goal that I thought I could reach in a few months and today I updated it and it was 717!

Oldest open account is 7 months, newest is just now 4. My only two. I also got a CLI of the one by $300 that hasn't shown on my report yet. My credit history is as old as my oldest account so only 7 months. No loans yet. Will be taking out a $3k federal loam that I will be making monthly payments on in the fall.

current limits are $701, and $400. One cap one secured card and a Kohls charge. Kohls is the $400 limit and newer card. 100% payment history and only have the secured card reporting a $12 balance

ith a 717 score, 7 inq and a <10% util, but only -$12k income, what card do you guys think I could be approved for next month after my CLI hits?

I'm also added as an AU on a 10 year old BoA card with a 5k limit

I only have 4 inq on my Experian report so if there is anyone who strictly pulled them that would be great.

 thinking about getting the discover it for students

thanks in advance

Josh

[-Wade-]

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@Josh611 wrote:

Decided to buy my myfico score on the 8th and it was 685. I set a goal that I thought I could reach in a few months and today I updated it and it was 717!

Oldest open account is 7 months, newest is just now 4. My only two. I also got a CLI of the one by $300 that hasn't shown on my report yet. My credit history is as old as my oldest account so only 7 months. No loans yet. Will be taking out a $3k federal loam that I will be making monthly payments on in the fall.

ith a 717 score, 7 inq and a <10% util, but only -$12k income, what card do you guys think I could be approved for next month after my CLI hits?

I'm also added as an AU on a 10 year old BoA card with a 5k limit

I only have 4 inq on my Experian report so if there is anyone who strictly pulled them that would be great.

 thinking about getting the discover it for students

thanks in advance

Josh

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Congrats on your success Yeah Discover is a great card

[signaturecardmember]

Discover is great as you mentioned and others as well as I would go for Chase after you have a 1 year old account, scores seem good for them. I would do the 2 apps at once with them. It might or might be 1 HP but they often times approve 2 cards at once.

[Josh611]

I think the next CC I get will be my last one for awhile. I like that discover gives you the free fico score too

[RushXTC]

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@Josh611 wrote:

I think the next CC I get will be my last one for awhile. I like that discover gives you the free fico score too

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If you like free scores, I get my free scores through

Discover

NRA Visa (First Bank Card)

DCU

All 3 different agencies.

Congratz, Btw.

[destine2grow]

Discover, Citi and Cap 1 all offer student cards. discover is the only one that has the free fico scoring. Cap I does offer a credit tracker but the score is a fako. I think you should be able to get approve for either one. Good luck and Congrtas!

[Josh611]

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@destine2grow wrote:
Discover, Citi and Cap 1 all offer student cards. discover is the only one that has the free fico scoring. Cap I does offer a credit tracker but the score is a fako. I think you should be able to get approve for either one. Good luck and Congrtas!

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I was declined when I applied for the cap1 journey when I had 1 month of history. Discover also seems to give out bigger limits.