Well, we just got our FICO score recently. The only thing reporting on my CRs were the 3 secured CCs you see in my signature and an old Discover card (closed account in good standing) from years ago. The only thing reporting on my husband's CRs were the 3 secured CCs, the old Discover card, and a 3-1/2 year old repo (fully paid). On June 1st, we applied for the unsecured CCs you see in my signature and, we were approved for every one of them without any questions. Everyone will tell you that YMMV (your mileage may vary) and -- that is exactly right.
You never know!!! We had previously been told to wait a full year before applying for anything. We happened to be in our bank (Chase) on June 1st and, my husband went over to the manager and asked him if we could apply for a Freedom card with our short credit history. We sat down and spoke with him for a few minutes, he filled out the applications online at his computer and said, yes -- you are approved. He didn't know what our limit would be. I spoke up and asked him to call in and find out, he did and the answer was $5,000. SO--again, you never know!
That instant approval for $5,000 pumped us up and, we went on from there to apply for the other unsecured cards that same day --- and, they all came back approved. We were blessed to not have to wait for a full year. We can sit back and garden and let everything age now.
I am sharing how everything turned out for us. I cannot guarantee that your experience would be anywhere near what happened for us.
I do wish you well on your credit journey and I look forward to hearing how things turn out for you!
