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Looking for card recommendations for thin file

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barsandrhyme
Member

Re: Looking for card recommendations for thin file

I got a little eager and tried for the Blue Cash Everyday. I was approved for a $4000 starting limit. Motivated, I tried my luck with Capital One, but was denied. Also tried PenFed, but denied as well. Definitely took on more inquiries than I wanted, but AmEx has certainly been a dream card of mine, so I'll just see if it will grow. 

Message 11 of 16
Absolution16
Frequent Contributor

Re: Looking for card recommendations for thin file

I started with 1K SL on my BCE back in 2016 just out of rebuild, and now after 2 tries with the 3x CLI, it has 9K CL, more than enough for me. You will have no trouble getting this card to grow, with steady spending and timely payments in full. This card is a keeper for long-term use as well, as it has no AF and has some nice rewards structure.

 

 

 

 

 

Message 12 of 16
Yasselife
Valued Contributor

Re: Looking for card recommendations for thin file

Congratulations on your approval @barsandrhyme that's a major achievement.


Message 13 of 16
OmarGB9
Community Leader
Super Contributor

Re: Looking for card recommendations for thin file


@barsandrhyme wrote:

I got a little eager and tried for the Blue Cash Everyday. I was approved for a $4000 starting limit. Motivated, I tried my luck with Capital One, but was denied. Also tried PenFed, but denied as well. Definitely took on more inquiries than I wanted, but AmEx has certainly been a dream card of mine, so I'll just see if it will grow. 


Sorry about the 2 denials, but congrats on the Amex approval and nice SL! Smiley Happy


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 14 of 16
SouthJamaica
Mega Contributor

Re: Looking for card recommendations for thin file


@barsandrhyme wrote:

I got a little eager and tried for the Blue Cash Everyday. I was approved for a $4000 starting limit. Motivated, I tried my luck with Capital One, but was denied. Also tried PenFed, but denied as well. Definitely took on more inquiries than I wanted, but AmEx has certainly been a dream card of mine, so I'll just see if it will grow. 


Congratulations on your approval for the Blue Cash Everyday card. It's a good card.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 673




Message 15 of 16
Kh-Phil
Moderator

Re: Looking for card recommendations for thin file

Congrats on your approval! I am going to lock this thread now, but you can continue the discussion in the Approvals board if you wish.

Message 16 of 16
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