Posts: 268
Registered: ‎10-25-2012


[ Edited ]

 :smileysurprised:   Wow. That is SO exciting. lol.  I just spoke to a rep to see if I'm eligible to join and YES I am!! woohoooooo.  So, I'm going to pay off my 2 CC's and get my UTL down so that I will hopefully have a jump in my score.  I'm only going to open a Savings account as of now but will app for the cash rewards card the same day. Is that a good idea? Or should I wait like a week and then apply?


If you don't mind me asking, when you applied for the card, did they make you submit income verification like pay stubs?  I do alot of work from home stuff, so I don't have actual pay stubs. I heard some people needed to submit them and some did not. I wonder if that is only for CLI purposes, or if it is for first time application as well.


I'm assuming people's income must have to be really high in order to get a 25k limit?  I think I would pass out if I got that. haha.


Regarding my score's, do you think I have a good chance of being approved on a CC? And if so, what do you think my CL would be? 

Right now I have a 693 EQ, and 677 TU but I am paying off my last 2 cards which will hopefully bring it up. I'm at a 19% UTL right now.  I also have no baddies, perfect payment history, but I only have a 1 year AAoA with 31/2 years total history.  What do you think???

EQ 701, TU 685, EX ?
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Regular Contributor
Posts: 197
Registered: ‎09-22-2012



I've read stories on here of people opening accounts & apping for credit cards the same day with approvals. I was approved with an EQ 607 for cashRewards with a 5K limit. I've never had to submit income verification but I have direct deposit with them so that may be a factor.

EQ: 714, TU: 708, EX: 678

Most used: Barclay Sallie Mae, NFCU cashRewards
Hotel cards: Chase IHG, Marriott, Hyatt
Rarely used: AmEx BCE, Citi Double Cash, Discover it

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.