cancel
Showing results for 
Search instead for 
Did you mean: 

First "Real" CC Approval

Bruuzu
New Contributor

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
iMichelle
New Contributor

Re: First "Real" CC Approval


@VoltronM wrote:

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

 

 


IT LITERALLY, never gets old, VoltronM Heart


Discover IT - USAA AmEx Cash Rewards
US Bank Cash+ - AmEx Cash 365
Nordstrom Visa - Amazon Prime Corporate
In a former life, I was a poker player. I no longer rely on luck.
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 Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (8.12.20) EX: 835 / EQ: 846 / TU: 834
Message 13 of 19
Bruuzu
New Contributor

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. 

PenFed Power Cash ($20,000), NFCU GoRewards Sig ($24,600), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700), NFCU CashRewards Sig($15,000), Comenity MC ($12,000), Walmart MC ($8000), Wells Fargo CashWise Sig($7000), Amex BCE($6000), Amex ED($6600), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), US Bank Cash+ ($2500), US Bank Cash+ ($1,000), Overstock($13,350), Dell($3000), WF mortgage 195K Fico 8: EQ 707, TU 716, EX 723, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
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 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

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.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 17 of 19
sjt
Senior Contributor

Re: First "Real" CC Approval


@Bruuzu 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 Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (8.12.20) EX: 835 / EQ: 846 / TU: 834
Message 18 of 19
Bruuzu
New Contributor

Re: First "Real" CC Approval


@sjt wrote:

@Bruuzu 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
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.