I have been lurking on these forums for about a year now. I've done ALOT of reading but this is my first post. You guys have been very helpful to me and given me a wealth of knowledge on improving my credit score and it really has helped tremendously.
A year ago I only had 2 store credit cards with sub $2000.00 credit lines on each, Macy's and Best Buy. After reading a lot on here about rewards points and making money back off what we normally spend I decided I wanted to try to play the rewards game. In October of 2015 I applied for a Discover It card. There was double cash back for the first year and, at the time, there was a 10% bonus for apple pay spending. This seemed like just the right card for me. I got approved immediately for a $5,500.00 starting limit and have used it heavily since, paying in full each month. My first FICO credit score that I got from Discover was a 684 and I wanted to see it improve.
Over the months since then, using the advice I read about on here, I've earned around $700.00 in cash back (which doubles at the end of the first year and still has a couple of months to grow before doubling) and I have been able to increase the credit limit on this card to $14,500.00 with only soft pulls. Also my last credit score, for August, had improved to an 802, which I was very excited about (pretty sure that a baddie from like 7 years ago dropped off in July).
In seeing that improved credit score, I decided I wanted another 5% card for rotating categories and really liked the Chase Freedom offer, espeically with the $150.00 sign up bonus. I spend a lot eating out with my family each month and I like the idea of getting extra cash back on this expenditure, even if it will only be for September. I went ahead and applied yesterday and was approved with a $16,000.00 starting limit. It felt really good.
I just wanted to tell my story so far and say that I appreciate this forum, it's moderators and all of the contributers. Your wealth of knowledge and willingness to share it is effecting the credit scores of others.
