eta:changed thread title so not to confuse future apper's.
So, this “PREQUAL” that we speak of, actually DOES exist!! NICE!!👍
Ok. Ok. I know I said I was going to wait but the prequal was just too tempting. Prequal said I prequal’d for their entire card lineup...but...I know that was false🙄. So, I pulled the trigger on the Cash Rewards because I knew it wasn’t the card I really wanted. The More Rewards is the Card I really want and it will be my 2nd card(91/3)!!(as advised by @AllZero😉)
I knew I’d probably be approved for a low SL(which I was and part of the plan) but, it’ll grow. And I wanted to start this well groomed relationship NOW instead of 7-8 months from now. It is what it is(Darn you, Prequal)🤷♂️
App: Cash Rewards $500SL
Pulled: TU 651
0 collections
1 paid CO CC
2 unpaid CO repos(4.5 yrs old)
Utl: 21%(aggregate)
44-69%(individual-paid down hasn’t reported yet)
INQ: in siggy
I know some encouraged me to wait and I appreciate that. I am just an impatient person🤷♂️ and was purposely done in preparation for 2nd Card. Thank You All regardless!👍 I just went with my gut feeling and I want to start now and not in 9 months. Hope that makes sense and I didn’t offend anyone by app’g against sound advice? Because TRULY...I knew I should have waited but, the excitement of joining....just got to me. Thanks again all!👍...I TRULY appreciate it!❤️
...now the magic begins😉
...to be continued...
I❤️NY(NFCU and MyFICO😉)
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Congrats on the approval and welcome to the family!
Honestly if anyone is offended that you went and got a credit card, they should seek therapy lol. You got approved and that's all that matters! 
Congratulations on your approval! It's very hard to resist temptation.
Now that you're in, let your account age and get some history. Based on your starting limit, you might benefit from at least 6 months before 2nd card instead of 91/3. That is if you can resist. 😉
Now that you're in, let your account age and get some history. Based on your starting limit, you might benefit from at least 6 months before 2nd card instead of 91/3. That is if you can resist. 😉
@Anonymous wrote:Congrats on the approval and welcome to the family!
Honestly if anyone is offended that you went and got a credit card, they should seek therapy lol. You got approved and that's all that matters!
Well, thank you!!
at the same time though...I just wanted to be respectful and appreciative for the time those that reply and type their advice and no one listens/heeds a majority of the time...and i know it is ultimately their choice. So, thank you all again. I need a darn lease so i cannot escape the garden again
@Anonymous wrote:
Congrats on your approval!!
I don't think anyone will be offended. We're all just here to help
Thank you and thank you for the kind words
@AllZero wrote:
Congratulations on your approval! It's very hard to resist temptation.
Now that you're in, let your account age and get some history. Based on your starting limit, you might benefit from at least 6 months before 2nd card instead of 91/3. That is if you can resist. 😉
Thanks @AllZero... we'll see? lol
i should do fine...I just wanted to start sooo badly lol and HONESTLY you are definitely right as i have read many threads revealing such a wait. Shoot! I was told to wait yesterday! lol
thanks again
@Anonymous wrote:Congrats on your approval!
thank you, @Hasselfree
