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About me: mid 20s, only 1 secured CC which I opened November 2011 with Wells Fargo. First month reported is December 2011 so it's been reporting for 7 months. No other credit aside from that. Limit is $4,000 and balance of $900. I don't know my FICO scores yet.
1) American Express Zync - approved NPSL
2) Wells Fargo Visa unsecured - declined (even asked for reconsideration because I bank with them; no go)
3) Discover More $2K Limit approved
4) Bloomingdale's declined (insufficient history)
5) Associated Bank Visa (via Elan) $6K Limit approved (originally $1K but I asked for recon after finding out approval)
6) Chase Freedom - initially declined but after reconsideration they approved me with a $500 limit.
Thought I'd share my app spree experience for those like me who have limited credit history.
I guess it's time to garden!
Nice start!
youve got some great cards now. i would be a little irretated that wells fargo didnt approve me seeing they have 4,000 of my own money
@rootpooty wrote:youve got some great cards now. i would be a little irretated that wells fargo didnt approve me seeing they have 4,000 of my own money
Nah, this one's expected for so many reasons regarding secured cards, not the least of which WF is pretty conservative
The Amex / Discover / Chase approvals though are completely excellent, congrats OP!
That is great... so much nicer to see people get started with nice limits by using a secured card with a hefty deposit... Otherwise you might be stuck with limits less than 1k for 2 yrs or more.
I think you've done nicely! we have a seat waiting for you in the garden club if you're so inclined
Congrats! Wells Fargo always decline me too, even though I bank with them and have over 50K in their money market account! Seriously considering transferring my business to USAA and NFCU.
Congrats on the new Credit Lines
ready13, you may want to check out the dates on posts before replying.