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?
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.
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.