Hello, I am excited, started working on my credit in August in just 3 and half short month ive gone from 500 to a 600 credit score.
My utilization upon applying was 61%
First Applied Target RedCard, instant approval for $200 CL, Target does not appear to have done a hard inquiry
immedietly after i applied for
Warlmarts Rewards Mastercard Denied but approved for Walmarts Rewards Card $300 Limit, Hard Inquiry was immedietly reported.
I now have
Fingerhut: $400 CL
Cap One Secured Platinum: $200 CL
Credit One Platinum: $300 CL
Self: $526 Installment Loan
Target RedCard: $200 CL
Walmart Rewards Card: $300 CL
and my score is still between 595 and 602 between all 3 scores.
I is happy. Target seems like an easy card to apply for and is proccessed by TD Bank
Congratulations on your Cards!!! Keep an eye on your report for the next few months your Target inquiry may or may not pop up (sometimes it doesn't show up instantly) but it's cool to see they still say OK with your UT around 60%
that was what was really making me nervous about applying for credit because my utilization was kinda high. thank you guys