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What was your first prime card after rebuilding credit?

Community Leader
Valued Contributor

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

Discover It & Amex green with scores around 700's.

Moderator Emerita

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

PayPal MC and then Discover IT - 3 mos later. CS's 687 and 707
Moderator Emeritus

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

Amex Green, while I was still in the process of rebuilding my credit, with scores in the mid 600s.

 

I consider the point after which I rebuilt my credit to be when all of the COs/CAs dropped off my reports. That was last August, and I went on an app spree one evening. I was approved for all four cards -- Discover, BoA 1-2-3, Citi Diamond Preferred, and Wells Fargo Rewards. My scores were in the 720s at that point.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
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?

Total Rewards Visa....617 fico..recon!!! Just told them i was planning a trip to vegas next year and BAM! Instant approval!!! Played it coolMan Wink


IN THE GARDEN TILL 7/1/14!!!
Senior Contributor

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

Hmmm, I guess that depends on how one views things.  My first, and for a  time only, card was the platinum Visa from WaMU, not exactly prime, but it was an unsecured card.  After a year Chase tookoever, so I guess that mad it prime, but they cut my limit and raised my interest rate.

 

The first prime that I apped for and received was Discover IT earlier this year. Not sure of my scores in 2008 when I got the WaMu, but I'm sure they weren't pretty.  When I apped for Discover they were low to mid 700s.

Frequent Contributor

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

My first card was Cap1 and then about 9 months later I got my BoA student card (now PC'd to 123 rewards card). And then after about 6 years, I decided that I deserved cards that gave rewards. So I spree'd. Amex, Chase, Discover, & a BoA CLI. Approved for all of them (even though my friends told me I wouldn't be approved for a Amex, I was happy to prove them wrong).

 

At the time of my spree, my scores were in the 730s-740s, and after the spree because of the increase in CL and decrease in util my scores have jumped to the 750s-760s.

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Established Contributor

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

Citi Dividend Platinum Select  score around 650's.. I was Shocked..


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage


Alaska Airlines
Valued Contributor

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

AMEX Blue  then AMEX Zync  FICO was about 700's, all my other cards rarely pulled EX so didn't know it was that high. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Frequent Contributor

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

Delta Community CU Visa - Three years after BK discharge. I'm not sure what the score was when I app'd in Jan '13, but when I CLI in May '13 my EQ was 701.

Established Contributor

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

Depends on what your definition of Prime is. I mean I had a USAA MC with a score in the low 600's but I don't view that as prime (Chase, Barclays, Amex, Discover etc.). Of those cards my first was Discover and my scores ranged from 660s-680s.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board