cancel
Showing results for 
Search instead for 
Did you mean: 

19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Highlighted
Member

19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Hi all,

 

I wanted to share my credit history and how I've gotten to where I am today. By the way I only just turned 19 as of two months ago, meaning I have 1 year and 2 months of credit history. I applied for my first CC, the BofA Cash Rewards, on my 18th birthday. I got approved instantly with an 800$ limit, likely because I've had a checking account with them for years prior.

 

Around my 10th month of credit history, I applied for the CapitalOne Savor card but got denied, being my score was too low / lack of credit history (I had around a 700 score).

 

My credit limit recently got boosted with BofA from 800$ to 2300$, and I knew that would take my score up which was currently around 700-720 with the 3 credit bureaus. My Experian score shot up to 752, while my Transunion and Equifax are in the 740's. I decided it was the right time to apply for another credit card I wanted. I was looking at the Chase Saphire Preferred, but didn't want to risk it as the minumum CL for the card is 5000$, and not being a Chase banking customer, I knew they wouldn't want to be the first to give me such a high limit.

 

I opened a student checking account with chase(no fees and a 100$ bonus), then applied for the Chase Freedom Unlimited and got approved with a 3400$ CL. This brings my total CL to 5700$. If anyone is curious, my income I reported on the application is roughly 25k/year off of freelance programming and cybersecurity while being a fulltime student.

Message 1 of 14
13 REPLIES 13
Highlighted
Moderator

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congrats on your approval! 

Got some pruning to do... No more new cards!
Message 2 of 14
Highlighted
Super Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congratulations on your approval!
Message 3 of 14
Highlighted
Epic Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

 

Congrats on yer Chase approvalSmiley Happy

 

Message 4 of 14
Highlighted
Frequent Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congrats on your approval!!


Message 5 of 14
Highlighted
Established Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Nice job! Congrats!
Chase Sapphire Reserve 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 10k
Barclays Aviator Red 4k
Citi Double Cash 13.5k
Amazon Store Card 10k

Fico 8s as of 10/1/2020:






Message 6 of 14
Highlighted
Valued Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congratulations on your approval!!!








Message 7 of 14
Highlighted
Frequent Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congrats! 




Message 8 of 14
Highlighted
Senior Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congrats on your Chase FU approval! Great start to your credit history!




Message 9 of 14
Highlighted
Senior Contributor

Re: 19 Years old - 750 Credit Score - Chase Freedom Unlimited Approved!

Congrats on the approval




F8 EQ: 804 | EX: 794 | TU: 801 | Accounts: 2/6 4/12 9/24
Happy practitioner of AZE9or10or11 | Team Finances > FICO
Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.