Not having the best credit and with fixing my credit on my to do list. I decided to read the forums here on myfico. My score are in the low 600's about EX:601 EU:610 TU 605
I had no credit cards or store charge cards. I had some charge cards in the past to JCP and MACY's but never a credit card. I have several student loans that are being paid on time never late and I am on my second car loan. FIrst paid in full 12 payments ahead of schedule. Never late on payments for both my car loans. I tried not to use my credit because of my irresponsible choice in the past. My husband and I are considering buying a home. I've heard from several people that there needs to be credit revolving and showing good standing which helps with the process of buiying a home. I love to shop at JCP and i started reading here on myfico regarding credit cards for JCP. I decided to take a shot and apply for a card back in August 2014. I was approved at the register for $500. Not bad because my first card with JCP was only $300 and i closed my acct with them back in 2006/2007 charge off. I thought i wasn't going to get approved. I kept receiving pre-approval letters in the mail from Capital One platinum credit card. I've always ignored them becaused i figured i wouldnt get approved. I then received one in the beginning of September and i figured if i was approved for JCP why not try this one. So i went for it. I applied online. Since i do not use my home address for any correspondence i put my p.o. box. the application needed further review and i would here back in 7-10 business days. I then received a letter stating that they needed a physical adress on file but could kepp the P.O.BOX for mailing correspondence. I gave them a call and gave all info needed. The man said it will that 15 days to hear a response. I got a the card in the mail on Saturday with a $750 credit limit. I was surprised!!!!! Thank you everyone who write these forums it truley is helpful.
The best thing about the card is 0 annual fee and 0 apr until 06/2015. If i make 5 ontime payments i get a CLI. i will most definity take care of my credit now. Especailly it being so important to make big life choice such as buying a house, car, etc!!!!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
