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applied for my first CC(s) ever!

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djc1puno
Valued Contributor

Re: applied for my first CC(s) ever!

welcome, and congrats! Smiley Happy nice CL too Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Message 21 of 26
BearsAndTurtlesRtheBest
Senior Contributor

Re: applied for my first CC(s) ever!

the $6k is a great CL with freedom 

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 22 of 26
DeadSpider
Frequent Contributor

Re: applied for my first CC(s) ever!

Don't go KRAZY with your new cards. It's borrowed $$ to spend.

CareCredit helped build credit lol.

Message 23 of 26
jomama22
Member

Re: applied for my first CC(s) ever!

Thanks everyone! Dont worry, I didnt get the cards for the credit so to speak. I just decided I should actually get cash back when i spend money and build my overall credit. I plan to PIF every month and keep my reported balance between 1-9% usage. Never carry any balances or anything like that.

 

And I have since decided to round out the two cards to maximize rewards with one last application: Discover It.

 

I went ahead and applied through amazon to get the $75 gift card and recieved the 5-7 day message. Called the number provided and after some verification i was Approved!!! With a $4500 credit limit!!!

 

So 3/3 on applications and having them all together will help with clearing them out at the same time. 

 

This was my last card app, it was just too tempting with how well it fit in to what I use and the cards I already have.

 

So a total credit line of $20,500!!! Very very happy.

Message 24 of 26
justforting
Regular Contributor

Re: applied for my first CC(s) ever!

congrats!

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)
Message 25 of 26
Startome
Regular Contributor

Re: applied for my first CC(s) ever!

Very impressive! I'm happy for you ^_^

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Message 26 of 26
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