Stoked, didn't think I'd get a card with my low scores (4 closed late accounts: 2 of which are charge-offs: 2 paid, 2 paying) and only 2 current accounts (Fingerhut & Self loan) both open accounts have been ontime for 1yr6mos now.
My goal this year aside paying down my debt, is to get at least 2 of the lates removed (been sending a ton of GW letters with no luck so far but not giving up) and to get at least 2-3 more cards so that I can increase my active accounts to at least 5.
Sooo, between yesterday and today I got approved for a Khols store card-$300 limit (of which I will most likely never use since there are no stores here in Puerto Rico and they don't seem to ship internationally so whenever I visit the US I'll go instore and put a very small amt on it then pay off immediately); and now Childrens Place-$500 (of which I am most happy about as I shop here often 
So far, I'm at 4 cards... also waiting for my self visa card which I just ordered so that will bring me to a total of 5 cards! Will then wait about 3months before applying for a Capital One Secured Card.
Happy with my small progress so far
Thanks to everyone on these forums for the wonderful tips, advise and sharing their experiences. I've been learning so much from you all!
@financialfreedom777 wrote:Stoked, didn't think I'd get a card with my low scores (4 closed late accounts: 2 of which are charge-offs: 2 paid, 2 paying) and only 2 current accounts (Fingerhut & Self loan) both open accounts have been ontime for 1yr6mos now.
My goal this year aside paying down my debt, is to get at least 2 of the lates removed (been sending a ton of GW letters with no luck so far but not giving up) and to get at least 2-3 more cards so that I can increase my active accounts to at least 5.
Sooo, between yesterday and today I got approved for a Khols store card-$300 limit (of which I will most likely never use since there are no stores here in Puerto Rico and they don't seem to ship internationally so whenever I visit the US I'll go instore and put a very small amt on it then pay off immediately); and now Childrens Place-$500 (of which I am most happy about as I shop here often
So far, I'm at 4 cards... also waiting for my self visa card which I just ordered so that will bring me to a total of 5 cards! Will then wait about 3months before applying for a Capital One Secured Card.
Happy with my small progress so far
Thanks to everyone on these forums for the wonderful tips, advise and sharing their experiences. I've been learning so much from you all!
With the scores in your signature, and the fact you got the Kohl's credit card. I would wait (at least) 6 months and check capital one pre-qual site.
Odds are good you don't have to start with a secured card that never graduates.
Congratulations on your new cards!
Kohl's is a SP CLI every 6 months as well. (Mine went from $300 to $3,000 in 18 months with about $900 total spend).
Really? Awesome .@ChiefOne4u I’ll take your advice 😉👍🏽🙌🏽
Congratulations on your approvals!!!
