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!
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
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.
Love them and their CSRs, they're always so chipper when you call them...
Good Call on pullin the trigger! Now as soon as you can log onto your online account, sign up for your bonuses!
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!