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 07:51 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!
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