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First "Real" CC Approval

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Anonymous
Not applicable

Re: First "Real" CC Approval

Thank you Smiley Happy and as far as the CLI goes, do I just request one after 61 days?
Message 11 of 19
Anonymous
Not applicable

Re: First "Real" CC Approval


@Anonymous wrote:

Congrats on your approval and Welcome to Amex family !!!!!

 

 


IT LITERALLY, never gets old, VoltronM Heart

Message 12 of 19
sjt
Senior Contributor

Re: First "Real" CC Approval

Congrats.

 

I think you would be approved for a Chase Card. 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 13 of 19
Anonymous
Not applicable

Re: First "Real" CC Approval

I do want to go for the Freedom since I already have the CM and don’t need the Unlimited. My low income is the only thing I’m worried about
Message 14 of 19
stonedog23
Frequent Contributor

Re: First "Real" CC Approval

When I was 19 I was lucky enough to have 2 $1,000 cards. But I had no ideal what my credit score was or even what a credit score was, nor did I have credit advice from knowledgeable people like the ones in this forum. The OP is showing great foresight at 19 which beats my hindsight about what I should have done at 19. Congrats on your great start to adulthood and creditworthiness. 

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
Message 15 of 19
19eighty5
Senior Contributor

Re: First "Real" CC Approval

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 16 of 19
CreditInspired
Community Leader
Super Contributor

Re: First "Real" CC Approval

I love these kind of posts from young people. Congrats to you for beginning your credit journey with doing things the right way. You’re on your way to growing a great credit profile.

Congratulations again.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 17 of 19
sjt
Senior Contributor

Re: First "Real" CC Approval


@Anonymous wrote:
I do want to go for the Freedom since I already have the CM and don’t need the Unlimited. My low income is the only thing I’m worried about

I think you should be ok as long as your utility ratio is low at the time you apply. Do you have other income?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 18 of 19
Anonymous
Not applicable

Re: First "Real" CC Approval


@sjt wrote:

@Anonymous wrote:
I do want to go for the Freedom since I already have the CM and don’t need the Unlimited. My low income is the only thing I’m worried about

I think you should be ok as long as your utility ratio is low at the time you apply. Do you have other income?


No, just my part-time job

Message 19 of 19
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