This is my first full fledged unsecured credit card 💳 in that it's a Visa, not just a store card only. Yes, the CL is only $300, but I'll take it.
A few questions from those with more knowledge than I so far....
1. Because it's a Visa, are the Credit Bureaus counting it as a CC, please? I may wave goodbye to OpenSky just before the AF comes due. Because as I've gleaned from here, it stays on my CR for 10 years anyway. No need to keep it because it will never graduate.
2. How to grow its CL. I've seen a few things go back and forth and am just not clear yet here. To get Cap1 to budge on the CL, wait 6 months, yes? I've had several, 9 I think total this <12 months, HP's. And the AAoA are all low except for an old, sadly closed by inactivity, NM Store card. My other significant DP's are I have 2 CA open. Working on them. Still there. They have about 13 more months before legally they must be removed in my State of Residence.
So, wait 6 months... and use it massively up to about $250 and PIF monthly during that time, please? Or something else, please? 🙏🏻
Congratulations on your unsecured approval!
First off, do not drink while on the job...
Question #1. Yes, it will count.
#2. Finances over Fico. Utilize the card to best agree with your spending and income. There Re many opinions on how to increase the limit. I am sure other will follow and give you options! 👍
Congrats on the new card!
I was interested in the WalMart card as well...but I've distanced myself from CapOne cards due to their "All 3 Bureaus" pull.
I too was approved today for this same card at $1,000 SL... glad to be getting 5% cash back for grocery shopping. My other visa only gives 1% on groceries.
Congrats on your approval as well and welcome into the 5% Cash back on groceries club 😀
Congrats on the approval! 😊