Hey myFICO family! 🥭
It's been almost 9 months to the date I opened my first primary revolving account (Apple Card), and I'm happy to report another approval! I was approved for the Fidelity Rewards VS for $500 at 18.24%!
I have seen great growth with my Apple Card, which now sits at $6,500 from its original $1,000 limit, and with my thin file, I was elated to be approved in the first place. Though I planned to garden after my first approval, I've considered the Fidelity VS a long-term keeper, and I've got a while until thinking about applying for a Sapphire Preferred.
Elan instantly approved the application, and the general consensus with Elan CLI requests seems to be 6 months to 1 year after opening/latest increase, which will likely incur a hard pull. I have read some DPs of a $4k SP CLI, but with no upcoming applications planned, a hard pull is no worries.
Getting the card up to/around the $5,000 mark is my goal for now, and that should be (hopefully!) achievable within the next year or so, and put me over a TCL of $10,000 (exciting!). Advice is most definitely welcome 
DPs as follows : Experian is at 744 F8, Equifax at 738 F8, and TransUnion at 731 F8, with only one hard inquiry from Goldman on TransUnion till date. Elan hasn't pulled any bureaus yet, to my knowledge, but I am expecting a HP soon. FICO 8's have taken a drop from where they were a few months ago, with student loans reporting and an AU card that reported a 20% utilization before being PIF, but I don't have much to complain about, especially with the thin file that I have.
Many, many thanks to all of you for all the feedback and advice -- I have truly learned so much from the community over the past few years! 🎉
Congratulations!
EQ8 780, TU8 748, EX8 771 as of January 8
Congrats on your Fidelity Rewards approval
