Showing results for 
Search instead for 
Did you mean: 

Super Thin File - Approvals

New Member

Super Thin File - Approvals


Happy New Year.

First post on this forum but learned so much from you lovely people in last 6 months here. Thank you all. I know a lot of people on this forum collect data points to help fellow forum members so here are my inputs. 


I am an immigrant who moved to USA in May 2017. No credit history in US. Applied for Discover card in July 2017 which was declined. By that time, i was kind of settled in your beautiful country so didn't try for any other credit for more than a year. My annual income is 87K. Few months back, i came across myFICO forums and started to learn the importance of good credit.


Applied for Discover secured card with 500 deposit in Aug 2018 and was approved.  Couple of days later - checked Cap1 pre qualified link and got Platinum unsecured with 300 SL. This Cap1 Platinum upgraded to QS with 400 SL after 4 months. Kept balance at around 5% and PIF. 

My FICO scores are still not generated yet, but in Dec 1st week, i checked US Bank prequalified link and was approved for US Bank Cash+ with 1000$ SL. They pulled from TU. 

In Dec 2nd week, i opened a Chase checking account and once i did setup the online account, i could see, i was preapproved for CSP, FU and Freedom cards. Applied for CSP and FU. CSP was approved for 5000 SL but FU was declined. They pulled from TU and EX

Last week, i was checking AMEX pre-approval and couldnt see any pre-approval for me but still applied for BCE. Instant approval for 5K. I think AMEX pulled from both TU and EX .






Message 1 of 14
Frequent Contributor

Re: Super Thin File - Approvals

You're off to a great start. Congrats!! Good luck!!  Smiley Wink

EQ.-743  |  TU.-736  |  EX.-706

Message 2 of 14
Valued Contributor

Re: Super Thin File - Approvals

Congrats on your approvals and welcome to MyFico Forums. I would advise on gardening for atleast 6-12 months to let your accounts age a bit. 

Scores - All bureaus 756 +
TCL - Est. $275K
Message 3 of 14
New Member

Re: Super Thin File - Approvals

Thank you both! Yes, the plan is to stay in the garden for a long time. I am expecting that AMEX BCE will grow really fast.   I am not a very big spender so this is more than enough at the moment. 

Message 4 of 14
Established Contributor

Re: Super Thin File - Approvals

Congrats on the apps, between the CSP, BCE and USBank you should be set for now, I would probably SD the other cards and go rest in the garden for a bit, get some age, history and a couple of CLI's over the next year before applying for anything else..

~~ Former Royal Navy Submariner - Proud to have served ~~
Message 5 of 14
New Member

Re: Super Thin File - Approvals

Thanks. One quick question- Is it a good idea to put discover secured card in SD? Or should i continue with the light use of this card until i get my deposit back? I tried to convert it to 5% category card but it was declined. Cap1 is definately going in SD. 


No more apping in 2019 and I am eagerly waiting for my first FICO scores in Feb.

Message 6 of 14

Re: Super Thin File - Approvals

Congrats on the great approvals!
☞ Credit Cards: NFCU AmEx, NFCU Visa Signature, PenFed Pathfinder Visa, Discover It, Citi BB Visa, Paypal MC, PayPal Store Card, Cap1QS1
♛ Total Credit Lines: $29,350
⚖ Chapter 7 Discharge: October 2018
☼ Credit Scores: Mid 600s
☮ Gardening Since March 19, 2021

Message 7 of 14
Senior Contributor

Re: Super Thin File - Approvals

Congrats on your approval !!!


8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 14
Senior Contributor

Re: Super Thin File - Approvals

Congratulations on your approvals!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:

On the chopping block:

Message 9 of 14
Regular Contributor

Re: Super Thin File - Approvals

Welcome and best wishes congrats!
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k


Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.