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My very first Credit Card approved!

Cheung
New Member

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
Medic981
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
Vintageheart
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
19eighty5
Senior Contributor

Re: My very first Credit Card approved!

Welcome to the forums and congratulations on your first approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 4 of 14
sjrn
Established Contributor

Re: My very first Credit Card approved!

CONGRATULATIONS 👍🏼



Take the myFICO Fitness Challenge


Starting Scores

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Message 5 of 14
James_A
Senior 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 (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 6 of 14
biggbailbonds
Regular Contributor

Re: My very first Credit Card approved!

That is awesome!!! Congrats!!!

(AMEX BUSINESS PLUS - $19,300) - (AMEX SIMPLY CASH - $25,000) - (AMEX BCP - $15,700) - (BANK OF AMERICA - $62,500) - (CAP ONE SPARK - $8000) - (CHASE HYATT - $9000) - (CHASE DISNEY - $16,000) - (CHASE AMAZON - $4400) - (DISCO - $12,000) - (CAESARS REW - $12,000) - (BEST BUY - $15,000) - (HOME DEPOT - $8000) - (LOWES - $25,000) - (KAYS JEWL - $7500) (FNBO MLIFE - $19,000) - (FNBO DODGE - $15,000) - (PAYPAL - $3200) - SHELL GAS - $2200) - (US BANK CASH PLUS - $23,000) - (US BANK PLAT - $20,000) - (US BANK BUSINESS CASH - $29,000) - (US BANK BUS LEVERAGE - $20,000) I KEEP ZERO BALANCES EVERY MONTH - CREDIT SCORES - (EXPERIAN 782 - 3 INQ) (TRANSUNION 824 - 5 INQ ) (EQUIFAX 824 - 7 INQ) - BEEN GARDENING FOR 6 MONTHS.
Message 7 of 14
AnikinsDarling
Frequent Contributor

Re: My very first Credit Card approved!

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

tenor.gif

Message 8 of 14
AllThingsInTime
Established 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
Cred4All
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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