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Finally Approved for SOMETHING!

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coldnmn
Mega Contributor

Re: Finally Approved for SOMETHING!

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 11 of 21
Anonymous
Not applicable

Re: Finally Approved for SOMETHING!

Congratulations!

Message 12 of 21
Anonymous
Not applicable

Re: Finally Approved for SOMETHING!

Very nice, congrats on your approval

Message 13 of 21
PowerInNumbers4
Valued Member

Re: Finally Approved for SOMETHING!

Congrats on the approval!! your on the way!   the best way to stay out of trouble is paying your bill as soon as the new statement cuts, don't ever wait until the last minute.

 

Good luck.

BK7 Discharge 10-2012
My FICO EQ:822 TU:750 EX:812 07/04/2022
| Barclays Rewards WMC $11,400 | QuicksilverOne WMC $13,000 | Discover IT $26,900 | ChaseFreedom $4000 | BofA Rewards $7000| Amex BCE $18,000| Amex Gold Delta $12,000 | WellsFargo Propel $11,000 |Citi Bestbuy $5500.
Message 14 of 21
sparklerd34
Established Contributor

Re: Finally Approved for SOMETHING!

Congrats I'm right there too!! Recently approved dec. 1 st






Message 15 of 21
Anonymous
Not applicable

Re: Finally Approved for SOMETHING!

Congrats.

Message 16 of 21
RCFL
Frequent Contributor

Re: Finally Approved for SOMETHING!

Keep using it and use it responsibly - you'll either get bump to 3k or 5k when your 6th statements cut. Congrats in your approval !
Message 17 of 21
FocusedAndDetermined
Senior Contributor

Re: Finally Approved for SOMETHING!

Congrats!

 

You are on your way.Smiley Happy

Message 18 of 21
FocusedAndDetermined
Senior Contributor

Re: Finally Approved for SOMETHING!


@Anonymous wrote:

Congrats on starting back with the credit world! 

 

Here are some tips from me: 

 

You have two credit cards, both with $300 limits. That's equivalent to $600 in available credit you have. Here's the best way to maximizing FICO scoring in your situation: Have only one card report a balance. What I mean by that is that you can charge whatever you like on both the cards, just make sure before the statement cuts that you have one fully paid off and the other leaving a balance of around $30--which puts you at a 5% utilization. 

 

Soon whenever your statement reports, just go ahead and pay it all off. Repeat, repeat, repeat! 


Great advice!

Message 19 of 21
LouisvilleStunner
Established Member

Re: Finally Approved for SOMETHING!

Thanks for the advice! I'm waiting for the first statements to hit so I'll have an idea of when to expect them, so I can set up automatic bill pay so they are never late.

Cap One MC Platinum - Opened 12/2014 $300 --> $1,300 6/2015
Cap One QS - Opened 12/2014 $300 ----> $1,300 6/2015
Scores: FICO - 547 10/2015
Goal: 600 by 10/2016
Message 20 of 21
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