New gal (sort of) here! I browse these forums (a lot), and have been waiting patiently to post until I had something relevant to the group. I just found out that I was approved for a BMO Harris Cash Back Mastercard. Just opened a checking account last week. Applied yesterday and was given a 3-5 message. Hopped on chat this morning to find out status and was told SL is $7000 which blows my next highest limit out of the water! I was SHOCKED! Card shoud arrive in 7-10 days. I've been using the "all cash" budget method for approx. 8 years, but am wanting to purchase a home next year, so I need to beef up my credit since I had no open accounts!
Here's the skinny on my ultra thin file:
AAoA: 11 years, AAoA: 5 months
They pulled my competely clean TU, score 744, 3 HP (all in the past 5 months)
Utilization was a tad high (31%) because my PayPal Mastercard & Kohl's decided to randomly report my holiday purchases before my statement cut!
I have these other cards: CreditOne $500 ($0 balance, will be closed ASAP!), Capital One QS $500 ($0 balance), Overstock $500 ($0 balance), Kohls $600 ($325 balance...another mid cycle reporter! UGH!), PayPal Cash Back Mastercard $2000 ($1300 balance, mid cycle report!)
Hope this helps someone out there considering BMO Harris! Thanks to everyone who contributes to this community. You've been a HUGE help to me and so many others!
