02-07-2013 10:43 PM
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.
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!
02-07-2013 11:09 PM - edited 02-07-2013 11:11 PM
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
02-07-2013 11:57 PM
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.
02-08-2013 03:10 AM
Love them and their CSRs, they're always so chipper when you call them...
02-08-2013 07:21 AM
Good Call on pullin the trigger! Now as soon as you can log onto your online account, sign up for your bonuses!
02-08-2013 07:29 AM
02-08-2013 07:51 AM
02-08-2013 07:54 AM
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!
Congrats!! Nice limit!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.