My very first Credit Card approved!

Cheung · ‎09-19-2018

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!

Medic981 · ‎09-19-2018

Welcome to the myFICO forums!

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

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

Vintageheart · ‎09-19-2018

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

19eighty5 · ‎09-19-2018

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:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

sjrn · ‎09-19-2018

CONGRATULATIONS 👍🏼

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James_A · ‎09-19-2018

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

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biggbailbonds · ‎09-19-2018

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.

AnikinsDarling · ‎09-19-2018

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

AllThingsInTime · ‎09-20-2018

@Cheung

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

Cred4All · ‎09-20-2018

Congrats to you for the approval and doing so well!

My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!

Re: My very first Credit Card approved!