cancel
Showing results for 
Search instead for 
Did you mean: 

First Big Boy CC of my life!

Highlighted
Member

First Big Boy CC of my life!

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 MESmiley Wink

 $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 Smiley Happy

Message 1 of 37
36 REPLIES 36
Highlighted
Super Contributor

Re: First Big Boy CC of my life!

Congratulations on your approval!

Message 2 of 37
Highlighted
Mega Contributor

Re: First Big Boy CC of my life!

Welcome To myFICO Forums and

 

Message 3 of 37
Highlighted
Frequent Contributor

Re: First Big Boy CC of my life!

Congrats 🎊 

Message 4 of 37
Highlighted
Frequent Contributor

Re: First Big Boy CC of my life!

@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?

PenFed Power Cash ($20,000), NFCU GoRewards Sig ($21,600), PNC Cash Rewards ($15,500), PNC Cashbuilder ($15,000), NFCU CashRewards Sig($15,000), Ebates Platinum VS($10,000), Paypal 2% MC($7700), Wells Fargo CashWise($7000), Amex BCE($6000), Amex ED($6600), Synchrony Financial ($25,000), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Walmart MC($8000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), JCP($10,000), Care Credit($15,000), RoomsToGo($11,000), US Bank Cash+ ($2500), US Bank Cash+ ($1,000), Wayfair($11,000), HSN($8000), Overstock($11,850), Lowe’s ($25,000), Trek Card($4250), WF mortgage 195K Fico 8: EQ 702, TU 709, EX 712, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
Message 5 of 37
Highlighted
Moderator

Re: First Big Boy CC of my life!

So excited for you! Huge congrats! 

Got some pruning to do... No more new cards!
Message 6 of 37
Highlighted
Established Contributor

Re: First Big Boy CC of my life!

Congratulations!




Starting score - May 2018

Feb 2020

AAoA - 7 months
Message 7 of 37
Highlighted
Member

Re: First Big Boy CC of my life!


@stonedog23 wrote:

@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?


Fair question!! I have lived a very strange life. Ranged from being a professional poker player(not a rich one, a GRINDY one) to being homeless for a stretch. The last 5 years have been calm and I've just used my lady's checking for direct deposits and such.

Message 8 of 37
Highlighted
Established Contributor

Re: First Big Boy CC of my life!

Congratulation's on your approval. See perceverance does pay 💰 👍. 

NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 9 of 37
Highlighted
Regular Contributor

Re: First Big Boy CC of my life!

Congrats on your approval, keep building and you will be just fine with responsible use, and WELCOME TO THE FORUMS! 

Message 10 of 37
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.