My first unsecured card today!

Anonymous · ‎01-04-2021

Hey everyone,

First time starting a thread on here and I'm super excited to share that I've been approved for my first unsecured credit card!

I turned 18 about 7 months ago and on my birthday I opened up both a Secured Capital One and secured Discover card.

Fast forward to last month I applied for a Navy Federal card after getting a pre qualification but was denied so I opted to not waste the hard inquiry and accept the offer of a secured card, no additional pull.

Now, today, I logged into my Bank of America account and seen "A special offer for you" and it was for the Bank of America Cash Rewards card, I opted to see if I would be approved and sure enough I was, not for a lot, only $800, but still, I'm pumped!

Just as a reference point, they pulled Experian, my lowest FICO score.

thornback · ‎01-04-2021

Congratulations!! Super excited for you - you're well on your way --

Welcome to the forums!

Happy New Year🥂

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Elpadrino1 · ‎01-04-2021

Congrats on your BofA approval!

AllZero · ‎01-04-2021

Congratulations on your approval! The BoA card can grow.

For your reading pleasure BoA to stop HPs for CLI’s

M_Smart007 · ‎01-04-2021

Congratulations!

gdale6 · ‎01-04-2021

Sweet, welcome to the BoA cash rewards family and to the forum

mrcraft · ‎01-04-2021

Congratulations on your approval!!

Affinity Cash Rewards Visa Signature $32,500

American Express Marriott Bonvoy Brilliant $25,000

PenFed Power Cash Rewards Visa Signature $20,000

U.S. Bank Altitude Go Visa Signature $17,000

Chase Marriott Bonvoy Boundless Visa Signature $16,700

mgood · ‎01-04-2021

Congratulations!

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$41,000 NFCU cashRewards Plus Visa Signature 05/25

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$34,600 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$10,400 Citi Custom Cash World Elite Mastercard 11/24

$14,000 Wells Fargo Autograph Visa Signature 10/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$20,000 Synchrony CareCredit Rewards Mastercard 09/25

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

EQ8 787, TU8 755, EX8 760 as of August 22

AZE10 - 8% Utl - New Cards: 0/6, 2/12, 5/24

Hex · ‎01-04-2021

Great job! You have an excellent build going there.

Anonymous · ‎01-04-2021

Thank you very much! I also have a self lender loan and a Kikoff loan going on as well. This is all to establish credit and get my foot in the door. I'm excited for Navy Federal and Discover to unsecure (hopefully soon) and hopefully.. Capital One, though I've heard mixed things on them graduating