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11-04-2012 03:52 PM
Hey everyone, my first post here. I just wanted to share my recent credit luck and how happy I am with it.
First of all I'm 21 y.o. and had 2 accounts, one CAP1 Plat with 300 limit started in february and a car loan from may. About a week ago I check my cap1 account and see that my limit has been increased from 300 to 500. Nice surprise, so on a whim I check my experian score on freecreditscore.com. Lo and behold I have a 707. So I apply for an Amex Blue...instant approval. I couldn't tell you how excited I was, I have always wanted an Amex and now I have one at 21. So i press my luck, I figure why not have all the hard pulls on my credit at once and see if I can get lucky. So I apply for a Chase freedom, cap1 rewards, citi forward and discover more.
As of today I got declined for the Chase, but got instant approval on the citi and discover, still waiting on the CAP1.
My limits: Amex 1k, Discover 2k, Citi 3k.
I jumped my credit limit from 500 to 6500 in a week. I so happy and so proud and I can't wait for these shiny new cards to come in the mail! Thanks for reading guys!
11-04-2012 03:54 PM
Congratulations! Make sure you treat the accounts well.
Do you happen to have any student loans reporting?
11-04-2012 03:54 PM
Congrats!!! That's fantastic!
11-04-2012 03:56 PM
11-04-2012 03:56 PM - edited 11-04-2012 05:36 PM
I am lucky enough to have no student loans and be in my junior year of college. I make about 30k a year right now.
11-04-2012 03:58 PM
I am lucky enough to have no student loans and be in my junuor year of college. I make about 30k a year right now.
Well there you go! You haven't even graduated and you're pretty successful. I see a bright credit future for you
11-04-2012 03:59 PM
@Snacktrader Thank you very much, and thank you all for the kind words!
11-04-2012 04:14 PM
Congrats!my higher credit limit after 2 years credit history was citi. Citi was good credit limit so far. Chase is hard to get. I'll wait for another year for stupid inquiries on my credit report. Then I'll re-apply with chase and AMEX
11-04-2012 05:27 PM
11-04-2012 05:29 PM
I wish I had applied for one of the higher grade blue cashes and not the standard but oh well. Update: Denied by Cap1, am honestly not broken up about it. Would rather have better cards in my wallet. Overall goal is to have a chase freedom and amex charge card in the next year or so. I'm about to have about 6 HP on my CS for these cards, was wondering if there was one other I should apply for while I'm at it...any suggestions?
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