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First Big Boy CC of my life!

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Anonymous
Not applicable

Re: First Big Boy CC of my life!

haha i've been there.

 

i didn't have a checking acount, a job, pay taxes from like 98-06. just used all cash and if anything, my significant other at the time, would let me use her cards and credit and i just gave her the cash for everything.

 

congrats on getting in with chase. i'm still on the fence to applying right now.

 

which card did you get approved for?

 


@Anonymous wrote:

@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 21 of 37
GApeachy
Super Contributor

Re: First Big Boy CC of my life!


@Anonymous wrote:

Worked up the nerve to call. Pled my case mostly truthfully.


Hey, proud of you for doing that.Smiley Wink  I wouldn't have (chicken boc boc)  Good Job and enjoy, you're in with a great Bank. Congrats doubly!

My Take Home Pay Don't Take Me Home
Message 22 of 37
AverageJoesCredit
Legendary Contributor

Re: First Big Boy CC of my life!

Awesome jobSmiley Happy  enjoy the luv💳💗✅💰😄

Message 23 of 37
coreyb80
Super Contributor

Re: First Big Boy CC of my life!

Congrats on the approval.  Definitely a great way to get your foot in the door.

Message 24 of 37
Anonymous
Not applicable

Re: First Big Boy CC of my life!

Congratulations!
Message 25 of 37
Anonymous
Not applicable

Re: First Big Boy CC of my life!


@Anonymous wrote:

haha i've been there.

 

i didn't have a checking acount, a job, pay taxes from like 98-06. just used all cash and if anything, my significant other at the time, would let me use her cards and credit and i just gave her the cash for everything.

 

congrats on getting in with chase. i'm still on the fence to applying right now.

 

which card did you get approved for?



Ha! Yeah i didn't pay taxes for many years either! OFF the grid.

I got approved for the Freedom. For some reason they pre-qualified me for the Freedom Unlimited and Slate as well. Only applied for the one.

 

Message 26 of 37
Anonymous
Not applicable

Re: First Big Boy CC of my life!


@GApeachy wrote:

@Anonymous wrote:

Worked up the nerve to call. Pled my case mostly truthfully.


Hey, proud of you for doing that.Smiley Wink  I wouldn't have (chicken boc boc)  Good Job and enjoy, you're in with a great Bank. Congrats doubly!


😆 Yeah. I probably hung up 10 times or so before I finally spoke to anyone. Everyone I spoke to was super nice though. Not bad at all!

Message 27 of 37
GApeachy
Super Contributor

Re: First Big Boy CC of my life!


@Anonymous wrote:

@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.


CALM- that's all that counts.  A lot to be said for the Simple Life.  Some of my best memories were from traveling from town to town, job to job (same trade)....but no one could find us, just the ones that mattered.  I liked that- no phone, no address, no nuting but piece and happiness when we came home from a hard day's work. No stupid mail. Pop a top, stroll the beach, woods, campground...didn't matter, nothing weighing on your mind but what's for dinner and who's driving to the store. Cash was King no need for anything else. Simple.

Keep the CalmSmiley Wink 

My Take Home Pay Don't Take Me Home
Message 28 of 37
Anonymous
Not applicable

Re: First Big Boy CC of my life!

Congrats!  Treat it right and watch it growSmiley Happy

Message 29 of 37
Egaffne2
Regular Contributor

Re: First Big Boy CC of my life!

Congrats!

Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)
Starting score - 530
Discover it - $4,200
Citi Custom Cash - $6,600
CFNA Firestone - $3,200
Amex BCE - $2,500
Mission Lane - $1,100
Chase slate (AU) - $3,000
Chase Freedom Flex - $11,100
Lowes Advantage card - $10,000
PNC poop points- $4,500
2 student loans 93% paid off
AMEX loan only 7% paid off so far
Total current Utilization among all accounts- 20%


Message 30 of 37
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