Credit Cards

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Frequent Contributor
JonStur
Posts: 352
Registered: ‎12-25-2010

Re: Nobody laugh...but

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‎10-28-2012 02:46 PM

My first card was JC Penneys (1984 I think), for $150.00...we all gotta start somewhere...

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 796 EX 780 EQ 750
Goal Score: 800 Club

Take the FICO Fitness Challenge
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HiLine
Posts: 1,608
Registered: ‎10-19-2012

Re: Nobody laugh...but

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‎10-28-2012 04:15 PM

Congrats! Many of us here had to start with a secured card; you're way ahead in the game! :smileywink:

---> HiLine's personal finance blog - Follow my journey!  :smileylol:


-Taking a break from the forums from 4/23/2013 :smileysad:
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Frequent Contributor
wallyworld123
Posts: 428
Registered: ‎01-04-2012

Re: Nobody laugh...but

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‎10-28-2012 07:49 PM

Congrats to you.walmart offers are beneficial the free fico, the cash back up to a certain amount, the o% offer on electronics if you spend a certain amount, and most of all the cli every 4 months. They are lovable. Congrats again!

Message 33 of 40 (314 Views)
 
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Established Contributor
S7
Posts: 567
Registered: ‎08-24-2012

Re: Nobody laugh...but

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‎10-28-2012 07:50 PM

This is very exciting!!! Thank you, I didn't realize there THAT many perks!! YAY!!! 

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 34 of 40 (312 Views)
 
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Regular Contributor
Express
Posts: 115
Registered: ‎01-27-2012

Re: Nobody laugh...but

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‎02-23-2013 08:50 AM

Great Start. Congrats!  :smileyvery-happy:

Money Never Sleeps!
______________________________________________________________________________________
Amex Blue Sky $24,500 Amex Premier Rewards Gold :NPSL Amex Costco $5000 Chase Freedom $15,000
Home Depot $7,200 Credit Union Platinum $16,000
Walmart Discover $10,500 Cap1World MC $8500
Message 35 of 40 (232 Views)
 
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Established Contributor
ChesterPDexter
Posts: 607
Registered: ‎06-18-2007

Re: Nobody laugh...but

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‎02-23-2013 08:57 AM

That is an excellent start and you should be very pleased.  My son, who is just a student but earns money through his research job on campus, got a $300 limit USAA card as his first credit card ever during his first year of college.  A year after that he applied for another card with them and they gave him a second card with a $4,000 limit.

 

Good things like that are in store for you !

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
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tallen30
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tallen30
Posts: 3
Registered: ‎02-23-2013

Re: Nobody laugh...but

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‎02-23-2013 08:59 AM

After owning my home for 15 months credit cards were thrown at me its a nice feeling to get that "YOUR APPROVED"

AMEX / DISCOVER IT / SEARS / WALMART / BARCLAY MASTER CARD / AMAZON STORE / LUMBER LIQUIDATORS / LOWES / HOMEDEPOT / MACYS / OLD NAVY / TARGET / OLD NAVY / NFM / CAP ONE / BEST BUY
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Established Contributor
dodfire
Posts: 1,057
Registered: ‎04-14-2012

Re: Nobody laugh...but

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‎02-23-2013 09:22 AM

Congrats!!!!! I had to start over from square one 4 years ago....Got a First Premier with $250...and....NEVER want to be in that situation again!!! Take care of your card!!!

---- 4/3/13 ****TIME FOR THE GARDEN****
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Nobody laugh...but

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‎02-23-2013 09:33 AM

S7 wrote:

I just applied for my first ever CC..and I chose a walmart CC,( still in the rebuilding stage) and was approved for $400.  My very first CC!!! No laughing! 

 

 

so cute! lol jk congrats =) lmao jk :smileywink:

seriously congrats =D


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 39 of 40 (199 Views)
 
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Valued Member
HappySoda
Posts: 56
Registered: ‎10-10-2012

Re: Nobody laugh...but

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‎02-23-2013 10:30 AM

I started with a 200 dollar secured card from the worst card in the world. So you getting approved for that is a blessing. Make sure you never spend more than 50 bucks or so and for your first purchase let a very small balance report. Then for the remaining balances pay in full. Within 4 to 6 months it will be at 800 or more. Well no guarantees but there's a good chance.

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