First of all, I would like to thank everyone in the forum for providing information and helping me in my past thread, which helped me get an approval for the AMEX BCE and a CLI on my amazon store card.
Link to my last thread: http://ficoforums.myfico.com/t5/Credit-Cards/When-to-apply-for-3rd-credit-card/td-p/4796713
I'm a 25 year old medical student with no student loans.
My current credit/loan history:
1. AMEX authorized user with perfect payments for over 25 years.
2. Amazon Store Card since Feb 2016
3. Personal Loan of $2.5k with perfect payments for over 2 years (Does not show up on my TU report)
Short summary of my credit report according to Credit Karma (not very reliable, I know)
TU (757 after Discover HP)
Recent Inquires (4):
1. Amazon Store Card (Feb 2016): ??
2. Amazon Store Card (Feb 2016): Approved for $1700
3. Chase Freedom Unlimted: Declined due to not enough credit history
4. Discover IT Student: Pending
EQ (780)
Recent Inquires (1)
1. Citi/Best Buy (Feb 2015): Declined
No idea about Experian.
Got pending on Discover after asked to upload verification documents. Called and said it was complete now, just wait for processing.
Instant CLI from Amazon store card to $3700 and approved by AMEX BCE for $2000.
Now thinking about one last app.
Looking for a card with no annual fee and good growth potential, maybe Citi Double Cash, Barclays or, Bank of America….
I know nothing is guaranteed, but just trying to figure out where I would be denied due to not enough credit history.
As for Chase, if AMEX reports my recent approval on my TU, that would be my 5/24. I’m not eligible for Capital One due to not having an address in the mainland.
Every response is appreciated!
