Hello, this is my first post, long time lurker.
Just got approved for Pottery Barn 1500, West Elm 1500, Wayfair 500, J Crew 250.
Shopping cart trick on all. My credit score is barely 600. I only have one credit card to my name , VS with a 250 credit line. I have had the VS for 3 months. I will believe it when I actually see the cards in my mailbox. I ordered something less that 20.00 after approval on each card. It has been a long struggle to better my credit. I have a car loan with capital one. 4 charge offs ( very old) in my credit history. I am considering getting a secured NFCU credit card as I have not been approved for their cards. Any suggestions?
Congrats on the approvals. My suggestion is to stop apping too..let those cards age.
Congrats! You're off to a good start. Just take care of those cards and your opportunities will grow.
Definately am not even interested in these cards for usage but more as a tool to improve my profile. My goal is to improve my credit score and qualify for a mortgage eventually. I would like to have a few non store credit cards eventually. Just trying to play my cards right. I have already suffered the cost of bad credit. This gives me hope.
Thank you everyone. I am committed to this goal. I appreciate your words of encouragement. It has taken me a long time to get to this point (to be ready to take my finances seriously.)