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Thought I had posted my experience in November in applying for credit cards, but cannot find it, so here goes:
Captiol One pulled all three EX EQ TU
US Bank pulled EX
RBFCU pulled TU
Bank of America EQ
US Bank pulled TU9 on 1st card, EQ? on 2nd. Georgia
Have no idea if they pulled 8 or 9, going by credit report inquiries.
Texas
Hi forum! My DPs, in Idaho, all in 2 last months:
1. SynCB (PayPal MC) - pulled all three EX, EQ, TU... It was my first cc app ever and at that time my credit history was 0, no score at all. May be that's why they pulled all 3 (trying to find at least something LOL). I had no clue I need a credit history to be approved.
2. Cap One (Secured card) - all three EX, EQ, TU
3. Discover (Student card) - EX, EQ
4. BofA (Cash rewards) - EX (Warning. I got pre-qualify link and tried it and it "qualified" me for cash rewards card without even having any credit score!!! There is some glitch in their pre-qual prog.)
5. Chase (Sapphire Preferred) - EX (applied after I got a score from AU, thought now I can get any card I want)
6. Amex (Cash Magnet) - EX
7. Discover (Secured) - EX
Needless to say that out of 7 I got approved only for 2 secured...learning-learning-learning...
I consider myself now in the first month of my credit history, because its only a month since my CR was generated.
I got my first Cap1 statement and I was amazed that it appeared on EX and EQ the next day already! but not on TU yet.
I am interested to apply for HSBC card. Aksed in their chat. They said they will pull EQ.
Here in our area - GESA CU. I asked - they said they will most likely pull TU.
That's all my DP for now.
@rudolphreindeer
Congrats on your two approvals...... gotta hand it to you "Go Big or Go Home" Eventually your Discover card will unsecure, you'll get your $ back and hopefully a sweet cli to boot! Discover will allow you to call in periodically and add $ to your credit limit in the form of a cli, soft pull credit approval. The earliest Disco unsecures is around the 7 month; good luck and congrats again.
Also, others will chime in to advise how to optimize your scores, I won't....cuz I know enough to be dangerous but don't app too much (if at all for awhile)
ETA: @credit_is_crack I got a hp for a store card (wayfair- pulled EQ) doing the SCT. Never a hp on a major with Comenity doing the sct but I have now gotten two hp's on two store cards since Nov 2018 and yesterday. Idk if that means anything or not besides just blah
Thanks, GApeachy!
I already loaded my Disco with max ($2500) so I think it will not be CLI very soon. I only wish to have it unsecured and hope it will be after 7th statement! Yeah I am pretty happy that I got at least two secured cards!