Valued Contributor
Posts: 1,356
Registered: ‎09-01-2011

Re: Nobody laugh...but

Great start and card, $400 is a really good limit. Sure beats those $100 ones lol Congrats and good luck.

Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Nobody laugh...but

Very nice for being your first CC.  Plenty of room to grow and my first CC was Crap One so you defenitely beat me there, congrats.


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Posts: 2,005
Registered: ‎12-29-2011

Re: Nobody laugh...but

migliogiorni wrote:

Very nice for being your first CC.  Plenty of room to grow and my first CC was Crap One so you defenitely beat me there, congrats.


LOL mine too. $500 starting limit.


The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Posts: 6
Registered: ‎10-07-2012

Re: Nobody laugh...but

better than me I had to settle with getting a secured credit card

Citi Forward ($9,000), Amex BCE ($6,000), Chase Freedom ($3,000), Discover IT ($1,700)
Posts: 12,884
Registered: ‎04-15-2011

Re: Nobody laugh...but

My first was a Walmart $600.  :smileyhappy:

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 2,980
Registered: ‎10-02-2012

Re: Nobody laugh...but

[ Edited ]

My first was a $300 US Bank CC which got a CLI to $2500 after 6 months.


So cards grow well if you treat them well.


Good luck on your credit journey :smileyhappy:

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    

     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
Posts: 1,117
Registered: ‎10-31-2011

Re: Nobody laugh...but

I think mine was a First Financial Visa card @ like $500 in 2005?? Student cards...oh how the like to prowl on the weak haha ....but then the AMEX came next so you have a bright future ahead of ya

Established Contributor
Posts: 787
Registered: ‎05-16-2012

Re: Nobody laugh...but

Congrats! Have to start somewhere and this one offers a free monthly fico score!!!!!!!

100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Regular Contributor
Posts: 123
Registered: ‎07-22-2012

Re: Nobody laugh...but

Don't worry, I am sure a lot of people get rejected for the first CC they apply for too. So good job!!

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now :smileywink:
Established Contributor
Posts: 550
Registered: ‎09-28-2012

Re: Nobody laugh...but

first premier was my first. I actually was going close it the other day as , I have outgrown , but they offer me a 400 credit limit increase, and my apr on it is normal range 20% so I am going to keep it to my last baddie falls off in may. 

TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!

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