Credit Cards

[Johnny_Favorite]

Congrats homie g funk. See you chuggin on the choo choo express.

[snowsurf7]

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SnackTrader wrote:
What other cards do you have, snowsurf? A lack of credit history could be hurting you, since you have what we call a thin file and lenders won't be able to determine how well you have manged credit in the past. This is a major indicator of future credit performance, and is generally helpful for getting new credit cards.

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Just figured out how to make a signature! Ill go all HTML crazy later but the basics are there. Oh and I am an AMEX AU as well! 

[Robertwd82]

AAoA 2.8 years 

cap one plat, opened dec '11 always on time. 565/750 

applied bank secured card, opened jan 2012, never late 0/300

Amex AU, added on July 2011, no lates, backdated 06. 0/2000

Freedom road financial motorcycle loan, listed as recreational merchandise (installment loan), opened aug 2012 no lates, 13.5k balance

Amazon store card, jan 2013. 111/700 on time, called got CLI right after opening from 500

walmart store card, jan 2013 0/800, called got cli right after opening from 400

paypal store card, dec 2012 530/600 on time. Denied cli after opening 

Sams AU, 3/06, 0/2000 no lates

Kays jewelers 7/2012, 1982/2929, no lates

One paid collection account opened July 2010 allianceone 

One legally paid for less than full balance collection account from 4/2010

One paid satisfactorily auto account from April 2010 to June 2011

One paid was 120 days 3+ times toyota auto loan paid April 2010 (Ouch)

One paid satisfactorily toyota loan from 10/02 to 10/04

[CredittotheMax]

Congrats

[_jb_]

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Robertwd82 wrote:

<snip>

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Thanks. I guess I will wait for CC #3 (just opened) to report for a few months, and see what it does for me. Then I might give it a go.

[JonStur]

Love them and their CSRs, they're always so chipper when you call them...

[codimom]

Good Call on pullin the trigger!  Now as soon as you can log onto your online account, sign up for your bonuses! 

[guardmama04]

Congrats!!!

[MsLadyRover]

Congratulations!

[icetrap06]

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Shogun wrote:

     After surfing the boards, I decided to see if Discover had any pre-approvals for me.  Went to the website, put in my info and got my first pre-approval in over a decade.  I debated for a minute, then figure, why not.  I app'd and got an approval, but there was a problem with the site and I couldn't register.  I called CS and talked to a CSR out of Salt Lake City Utah.   She said it looks like you've been approved for a Discover It with a CL of $5500.   My next highest CL is my Barclay NFL at $2500 so this more than doubled it!   

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Congrats!!  Nice limit!