Hello. I have been on and off reading a little here for several years. My wife and I have had bad credit for almost 20 years. Could never seem to get ahead. Though it was my wife's fault for making late payments, it was as much mine for not following up and making them myself. Tons of late payments. Most actually. We haven't had a credit card for almost the entirety of the last 20 years.
Well about 18 months ago I got a lease with a co-signer. Then 6 months ago I got a secured cc through my local credit union.
After reading on here last night I decided to go check the Discover and Amex pre-approval sites. Both of them told me "congratulations" and my name with 2 choices. So i came back this morning here to ask some questions in the application forum. Jnbmom suggested I go to Discover scorecard site to check Fico. I couldn't believe it said 720. Based on others advise I decided to try Discover first and approved for $10k! but at 24.74%. I'm hoping it'll go down in the future.
After a little contemplating I decided to try for the Amex Premier Rewards Gold. And got approved for that as well! I can't believe it still.
I am so grateful to this community for selflessly giving such wonderful advice and aiding those of us who have let our ownselves down in the past to learn and grow from. As I said in my other thread, today I actually feel like an adult again. No longer do I have to be ashamed when out with friends and can't pull out a cc with a higher limit and volunteer to pay. I would always carry cash to avoid those situations.
And hopefully now when the time comes for my next auto loan, I won't need a co-signor.
Thank you all very much!
