Credit Cards

[RockinRay]

Congrats and welcome to the forum!

As others have stated, that card will grow well with you.  

[scoobieky]

So feeling on to of the world i applied for a Chase card and was not instantly denied so i card a backdoor number and was denied then for reasons stated in first post but GE got me feeling better with a Walmart card 900 Cl no more apps for me as i am going to attempt to buy a new car in 4 months in garden mode...

[scoobieky]

Edit called backdoor not card dang phone

[migliogiorni]

congrats

[CruzImperial]

The Lowes card really grows. In one year and a half I think, I've seen one go from 700 to 6k cl and now close to another increase.

[youngandcreditwrthy]

It really does. Haha didn't even notice you said card. Kinda wish I owned a home so I could take advantage of some offers they have like now they have a 5.99% for 84 mos on purchases of $3500+!!!!

[maiden_girl]

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scoobieky wrote:
So feeling on to of the world i applied for a Chase card and was not instantly denied so i card a backdoor number and was denied then for reasons stated in first post but GE got me feeling better with a Walmart card 900 Cl no more apps for me as i am going to attempt to buy a new car in 4 months in garden mode...

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Chase usually won't approve you if you haven't had at least a year of reporting history. I learned my lesson with Chase years ago when I was first out the gate in the credit game.

[scoobieky]

I've got a 9-10yr credit history my first 7 aren't great and i had an auto loan with chase before and was never late i thought that would account for something guess not oh well maybe in a year guess it's crap1 cards until then

[albinotiger]

I asked for my first cli from lowes but only 2 months after i got the card.. auto denied today.. it said they will send a letter explaing why i was declined.. i know everyone says soft pull, but will the leter have my latest score?.. or is that only with hard pulls..

[CruzImperial]

It won't say your score but instead be a generic letter telling you that you don't have enough experience with your current CL. You would have to call to request a recon on the increase.