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My very first Credit Card approved!

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My very first Credit Card approved!

I am new to this forum. In fact, I'm new to the whole credit card thing - I have never owned a credit card before.

 

A little bit about myself:
I am an international student who has only been in the US for 1 month. Having heard a lot of information about building your credit is important in the US, I have decided to start looking for ways to begin. After getting my SSN I went straight to PNC to apply for their secured credit card. It is probably not the best secured card out there, as there is a monthly fee of $3. But since I am a PNC customer I think I should probably start here.

 

Looking for an unsecured card, I also applied for the Discover It credit card, as I have heard good things about them being nice to starters. After a pre-approval, I went ahead and applied for the Discover It Student Cash Back yesterday. I got a message asking me to call their customer service to verify my identity. After sending all the required documents I received a message saying that they will notify me when they have a decision after 5-7 days. Today when I go check the status I got approved for $1,750!

 

Thank you for reading my first post and hello everybody!

Message 1 of 14
13 REPLIES 13
Valued Contributor

Re: My very first Credit Card approved!

Welcome to the myFICO forums!



















Your FICO credit scores are not just numbers, it’s a skill.

Message 2 of 14
Regular Contributor

Re: My very first Credit Card approved!

Congrats! Another card you may want to look into is Petal, but I’d focus on growing and maintaining the cards you have right now for several months. Discover is great. Good luck on your credit journey!

 

edit: you may want to look into the Deserve credit card too!

07.18 -
08.09 -

Current cards: AMEX Blue Sky, PayPal 2% Cashback, Discover It, Capital One Quicksilver, Capital One Quicksilver, Lendup Arrow, Merrick Bank

Future Card wants: USAA
Message 3 of 14
Senior Contributor

Re: My very first Credit Card approved!

Welcome to the forums and congratulations on your first approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 4 of 14
Established Contributor

Re: My very first Credit Card approved!

CONGRATULATIONS 👍🏼



Take the myFICO Fitness Challenge


Starting Scores

Current Scores

Goal Scores
Message 5 of 14
Valued Contributor

Re: My very first Credit Card approved!

You'll have that Disco card up to 10K in no time. Congrats! C on a great approval.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 6 of 14
Regular Contributor

Re: My very first Credit Card approved!

That is awesome!!! Congrats!!!

Amex Business PRG (NPSL) - Amex Business SC ($25000) Amex BCE ($26000) - Amex HH ($1000) - Cap One Bus Spark - (5500) - Ceasars Rewards - (9000) FNBO ($16500) - USB Cash+ ($23000) - USB Plat ($20000) - Amazon Prime ($4400) - Chase Hyatt ($9000) - Chase Disney ($15000) - Vectra ($7000) -Discover it ($12000) - BOA (11000) - Lowes ($25000) - Home Depot ($8000) Kays ($7500) - Amer Furn Ware ($2500) EX-759 (3 inq) EQ-779 (9 inq) TU-790 (2 inq) Mortgage-40k Auto-19k 0% util
I do not have a green thumb... I suck at gardening!
Message 7 of 14
Frequent Contributor

Re: My very first Credit Card approved!

Welcome to MyFico! Super congrats on your first card!!!!

tenor.gif


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 8 of 14
Frequent Contributor

Re: My very first Credit Card approved!

@Cheung

 

Welcome to the forum, and Super Congrats on your first credit card approval!!! Smiley Very Happy

Message 9 of 14
Valued Contributor

Re: My very first Credit Card approved!

Congrats to you for the approval and doing so well!



Message 10 of 14
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