https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719079#M1369838 <P>I have been lurking on these forums for about a year now. I've done ALOT of reading but this is my first post. You guys have been very helpful to me and given me a wealth of knowledge on improving my credit score and it really has helped tremendously.&nbsp;</P><P>&nbsp;</P><P>A year ago I only had 2 store credit cards with sub $2000.00 credit lines on each, Macy's and Best Buy. After reading a lot on here about rewards points and making money back off what we normally spend I decided I wanted to try to play the rewards game. In October of 2015 I applied for a Discover It card. There was double cash back for the first year and, at the time, there was a 10% bonus for apple pay spending. This seemed like just the right card for me. I got approved immediately for a $5,500.00 starting limit and have used it heavily since, paying in full each month. My first FICO credit score that I got from Discover was a 684 and I wanted to see it improve.</P><P>&nbsp;</P><P>Over the months since then, using the advice I read about on here, I've earned around $700.00 in cash back (which doubles at the end of the first year and still has a couple of months to grow before doubling) and I have been able to increase the credit limit on this card to $14,500.00 with only soft pulls. Also&nbsp;my last credit score, for August, had improved to an 802, which I was very excited about (pretty sure that a baddie from like 7 years ago dropped off in July).</P><P>&nbsp;</P><P>In seeing that improved credit score, I decided I wanted another 5% card for rotating categories and really liked the Chase Freedom offer, espeically with the $150.00 sign up bonus. I spend a lot eating out with my family each month and I like the idea of getting extra cash back on this expenditure, even if it will only be for September. I went ahead and applied yesterday and was approved with a $16,000.00 starting limit. It felt really good.</P><P>&nbsp;</P><P>I just wanted to tell my story so far and say that I appreciate this forum, it's moderators and all of the contributers. Your wealth of knowledge and willingness to share it is effecting the credit scores of others.&nbsp;</P> Wed, 17 Aug 2016 17:20:30 GMT Anonymous 2016-08-17T17:20:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719079#M1369838 <P>I have been lurking on these forums for about a year now. I've done ALOT of reading but this is my first post. You guys have been very helpful to me and given me a wealth of knowledge on improving my credit score and it really has helped tremendously.&nbsp;</P><P>&nbsp;</P><P>A year ago I only had 2 store credit cards with sub $2000.00 credit lines on each, Macy's and Best Buy. After reading a lot on here about rewards points and making money back off what we normally spend I decided I wanted to try to play the rewards game. In October of 2015 I applied for a Discover It card. There was double cash back for the first year and, at the time, there was a 10% bonus for apple pay spending. This seemed like just the right card for me. I got approved immediately for a $5,500.00 starting limit and have used it heavily since, paying in full each month. My first FICO credit score that I got from Discover was a 684 and I wanted to see it improve.</P><P>&nbsp;</P><P>Over the months since then, using the advice I read about on here, I've earned around $700.00 in cash back (which doubles at the end of the first year and still has a couple of months to grow before doubling) and I have been able to increase the credit limit on this card to $14,500.00 with only soft pulls. Also&nbsp;my last credit score, for August, had improved to an 802, which I was very excited about (pretty sure that a baddie from like 7 years ago dropped off in July).</P><P>&nbsp;</P><P>In seeing that improved credit score, I decided I wanted another 5% card for rotating categories and really liked the Chase Freedom offer, espeically with the $150.00 sign up bonus. I spend a lot eating out with my family each month and I like the idea of getting extra cash back on this expenditure, even if it will only be for September. I went ahead and applied yesterday and was approved with a $16,000.00 starting limit. It felt really good.</P><P>&nbsp;</P><P>I just wanted to tell my story so far and say that I appreciate this forum, it's moderators and all of the contributers. Your wealth of knowledge and willingness to share it is effecting the credit scores of others.&nbsp;</P> Wed, 17 Aug 2016 17:20:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719079#M1369838 Anonymous 2016-08-17T17:20:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719342#M1369938 <P>Welcome to the forum&nbsp;</P><P>&nbsp;</P><P>Very nicely done&nbsp;</P><P>Keep up the good work&nbsp;</P> Wed, 17 Aug 2016 20:22:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719342#M1369938 myjourney 2016-08-17T20:22:48Z https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719363#M1369944 <P>Welcome OP !!! congrats on all of your success and keep up the good work.</P> Wed, 17 Aug 2016 20:37:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719363#M1369944 Anonymous 2016-08-17T20:37:54Z https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719462#M1369958 <P>Congrats, you are doing very good.</P> Wed, 17 Aug 2016 21:31:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719462#M1369958 newhis 2016-08-17T21:31:35Z https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719666#M1370020 <P>Wow!!!! That's great!!! Congratulations.... you are definitely doing an amazing job.&nbsp;</P> Thu, 18 Aug 2016 00:05:25 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Thanks-for-the-help/m-p/4719666#M1370020 Anonymous 2016-08-18T00:05:25Z