First time poster so im sure I'll do it wrong but here goes!
Just started caring about credit in November. Got my first checking account in 20 years specifically to open a secured card.
Capital One Secured 12/1/19
Discover It Secured 1/1/20
Those cards brought the Vantage scores to between 606 and 678. I still haven't received FICO scores yet.
Randomly check pre qualify sites for giggles. Nothing ever pops but last week Chase pre-qualified me for 3 cards! Freedom,CFU, and Slate.
I stared at the screen for days! Finally even though I knew it was dumb....applied.
Got the dreaded 30 day notice,followed the next day by the 7-10 day notice. DRATS!! However, MyFico forums taught me about this magical thing called the reconsideration line. Worked up the nerve to call. Pled my case mostly truthfully. (Parents struggled with debt their whole lives. Knew I wasn't responsible enough in my younger days, feel confident I can handle it now)
The lady took notes and said she would forward it to a supervisor. Received a call THE NEXT DAY pretty much verifying my phone number and OMG! THEY APPROVED ME
$600 SL which is incredible to me. Foot in the door at Chase after 3 months of a build! #Blessed I know!
Thank you for reading! Who knew a little credit card approval could make ya so happy 
Congratulations on your approval!
Welcome To myFICO Forums and
@Romeo, I'm curious, how do you go 20 years without a checking account? Does your job do direct deposit? Did you ever pay bills online?
NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Congratulations!
