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First, I want to thank Lexie, Ron and all the other guys who helped me before! I joined this Forum on Dec, 2013. Before I found this forum I knew nothing about credit in U.S.. I am a new immigrant and I found everything is hard for me at first, I had to go to Chase branch to open my first savings and checking account, took me several trip to the At&T to get a phone, took 6 months time to attempt my first credit card. I finally got my first two credit cards with Discover Student (500CL) and Chase Freedom (600 CL) on 11/26/2013. Then I found this forum, which taught me a lot how to build credit. On Dec 21, 2013, When my first Freedom cycle cut and reported to EX, which generates a FAKO EX 720. I want to lock the MSD, it is your guys gave me the courage to apply for AMEX. I opened a thread and ask you guys about it back then. You told me to apply Green first to set foot in and if approved try my dreaming card BCP on same day! I followed your guys instruction and applied and got instant approved for both card. And with 2000CL BCP and locked my MSD! Then I learned about the AMEX backdated policy, I applied SPG and also approved after calling for DOB with 2000 CL. A few days ago, I learned about the DCU 's free EQ, so I joined the DCU. On Feb 11,2014. My SPG reported to all 3 bureaus, I got AAOA bumped up to 4 months and longest account 1.1 year and got my FICO EX for 713! Yesterday, I asked for Amex BCP 3X, denied. This morning, I applied for CSP, and instantly approved for 5000CL.
My credit history:
11/26/2013, got Discover 500, Freedom 600.
12/21/2013. got Green, BCP 2000,
01/07/2014, got SPG 2000.
02/21/2014, got CSP 5000.
That's all my U.S. credit history!
I really want to thank you guys, especially Lexie and Ron and many many other members who replied my question a lot! I will graduate May, 2014 and start my first job at Amazon in Seattle. I will get married this summer, so I got plenty works to do now. I will return to this forum maybe later next year when the time for my first mortgage.
Although my credit card journey is end for now, I will never forget this forum and all you guys!
WIsh you all the best and see you!
David F. Zeng
Congrats!! ![]()
@CreditMagic
Thank you so much! I am really appreacitated for all those wonderful things.
I really meet a lot of kind people here like my land lord, my professor in daily life as well!
God bless all you guys! God bless United States.![]()
I'm glad to hear you've had so much good fortune in the credit world! Congratulations on your upcoming wedding and job as well! Best of luck to you!
Wow, I did not think that was even possible to get the BCP and CSP with only 3 months of credit history. Definitely going to give me more confidence when I apply for the BCE when I hit my 6 month of credit history.
Congratulations on your credit journey, best of luck to you!
Congrats! Thanks for sharing your journey!