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What was your first prime card after rebuilding credit?

Established Member

What was your first prime card after rebuilding credit?

Just curious, what was the first prime card you were approved for after rebuilding your credit and what was your score?
Message 1 of 23
22 REPLIES
Valued Contributor

Re: What was your first prime card after rebuilding credit?

Amex ZYNC w/ NPSL  low 600s

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 23
Frequent Contributor

Re: What was your first prime card after rebuilding credit?

Credit Karma faco of 625, Barclay Rewards Master card.

Gardening since 03/25/2016. Discover FICO 705 (4/21/16).
Discover It 2000, Barclay Ring 7100, Capital One QS 7000, Amazon sc 6000, Chase AARP 2500, Barclay Rewards 500
Message 3 of 23
Established Contributor

Re: What was your first prime card after rebuilding credit?

PayPal Extras MC with GECRB. My TU was 671.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 4 of 23
Valued Contributor

Re: What was your first prime card after rebuilding credit?

discover it    scores around 650...

Message 5 of 23
Frequent Contributor

Re: What was your first prime card after rebuilding credit?

Barclays Apple Financing Card TU 637 if I remember right.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Message 6 of 23
Frequent Contributor

Re: What was your first prime card after rebuilding credit?


blink182 wrote:
Just curious, what was the first prime card you were approved for after rebuilding your credit and what was your score?

After a year of good performance on my low-limit secured cards (CapOne & Applied), Credit Karma said I had a good chance of being approved for Barclay NFL and Discover IT, even though my FAKO was about 635.  I was instantly approved for both.

 

Now, six months later - I have a FAKO of 715, and today received an auto-CLI to $4700 on the BarclayNFL, and expect a CLI on the Discover very soon.

 

Also, in the six months since I entered "PrimeVille", I have acquired the AmEx Gold PRG, and the Chase INK.

 

The moral:  Good credit can be established very quickly, when payments are made on time, inquiries are limited, and "baddies" on the credit report are dealt with.

 

 

Message 7 of 23
Valued Contributor

Re: What was your first prime card after rebuilding credit?

WF was both my first (initially secured) rebuilding card and first non-secured prime bank card when it graduated.

 

The good thing about that path is that my short credit history now has no subprime accounts or indications of rebuilding in it's history.

 

I highly recommend major secured cards that graduate.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 8 of 23
Valued Contributor

Re: What was your first prime card after rebuilding credit?

Amex Green, USAA, Amex Delta score around 670

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 9 of 23
Senior Contributor

Re: What was your first prime card after rebuilding credit?

Mine is BOA Cash Rewards CL $1000, score 622.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 10 of 23