Yesterday I received a pre-screened letter from FNBO and since I had never heard of that bank I did my research on this forum. So today I tried my luck and was instantly approved. I didn’t see my CL at first so I followed a link from a previous post to find out my starting limit was $1,400. $1,400 may not sound like a lot for most people but for someone like me starting over it is my highest limit so far.
My brief story is I lived in another country for 15 years and moved back to the States in December 2015. So after that time period with no use of credit here I didn’t have a FICO score. I got a job in March and after my first pay check I applied for and received a Cap1 secured $49-$300 card. After 6 months it was cli to $500. In November I was approved for a QuickSilver card with CL off $500 (wasn’t happy with that limit but it was my first unsecured card) but I am in the steps program and will be bumped up to $750 after 5 months of on time payments. During that time my Fico scores have gone up from 660 to EQ-728, TU-732, EX-643.
I am so happy to have found this forum as it has provided me with the knowledge I needed to make smart credit choices.
