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Rebuilders... What's the first decent credit card you were able to obtain?

Established Member

Rebuilders... What's the first decent credit card you were able to obtain?

What were your fico scores at the time?
Message 1 of 26
25 REPLIES
Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

My first decent card was Capital One's QuickSilver while I was 630ish.

 

Disclaimer: I had the QuickSilverOne and upgraded to the QuickSilver without a hardpull. I just called the CSR and asked.

Message 2 of 26
Established Member

Re: Rebuilders... What's the first decent credit card you were able to obtain?

Thanks

Message 3 of 26
Frequent Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

Mine was also a Capital One Quicksilver through a mail offer. My FICO at the time was about 625. The CL was $300.00 and I was scared to use the card for the first couple of weeks.


Message 4 of 26
Regular Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

I started rebuilding around November 2015 and started with Capital One $300 limit cards and added a bunch of low limit shopping cart trick cards around May/June of 2016. I babied those cards, asking for cli's and combining Capital One limits while my scores hovered around 630. My most exciting approval, so far, was when I applied for the USAA Amex Cash Plus card on the 4th of July, 2017. I think I had had one too many glasses of wine and had forgot my scores were only around 630. Much to my surprise, I was approved for a $5000 starting line. I just knew the website was broke and in an effort to get the card in my hands before they realized the malfunction I requested the card be express shipped to me. Two days later my new card arrived via Fedex. Awesome feeling activating it and finding that it actually worked!! I look forward to the day when a $5000 approval won't be such a shock!!

 


Message 5 of 26
Regular Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

10/17 - Very start of my rebuild.  Approved for Cap1 Platinum (chose instead of QS1 so I could PC easier) - $1000 limit.  At the time, EQ 597, EX 619, TU 583.  I had an existing relationship with Cap1 though (current auto loan).  Also Victoria Secret $500 through SCT.

 

01/18 - Amex Delta Gold $1k and Amex PRG.  TU 597, EQ 603, EX 626.  Also PCd the Cap1 from 10/15 Plat > QS and added $100 SL increase.







Starting Score: 10/1/2017

Fico8 EQ 591 TU 578 EX 598
Mortgage: EQ 616 TU 632 EX 590

Current Score: 2/1/2018
Fico 8: EQ 608 TU 669 EX 632
Mortgage: EQ 629 TU 657 EX 657


Goal Score:
700 Club


Take the myFICO Fitness Challenge
Message 6 of 26
Established Member

Re: Rebuilders... What's the first decent credit card you were able to obtain?

@radfam You were able to get some love while your scores were still low. I imagine that auto loan and I'm assuming very few late payments or other negative strikes were the key.

Message 7 of 26
Regular Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

The auto loan I’m sure helped. Cap1 for whatever reason has always been very kind to me. Actually I am probably the very worst at lates. Between auto loans and student loans, there are still 109 lates lingering on my report. I wish I could say that good payment history helped me with them but it didn’t.

Edit to add: No lates at all in the past year. Everything is on autopay and I advocate for everyone else do the same!






Starting Score: 10/1/2017

Fico8 EQ 591 TU 578 EX 598
Mortgage: EQ 616 TU 632 EX 590

Current Score: 2/1/2018
Fico 8: EQ 608 TU 669 EX 632
Mortgage: EQ 629 TU 657 EX 657


Goal Score:
700 Club


Take the myFICO Fitness Challenge
Message 8 of 26
Regular Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

The first card I got was a Capital One Platinum.  It is now Quicksilver.  I was probably mid 500s back then, 2013-14.  I had been no credit (cash only) for about 10 years, only student loans showing up.


FICO - EQ5 709 04.27.18 - TU8 713 04.26.18 - EX8 687 05.16.18
- In the Garden since 05/04/18, Goal of 6 months or more -
Message 9 of 26
Valued Contributor

Re: Rebuilders... What's the first decent credit card you were able to obtain?

First ones i got when i started my rebuild (4/17) was a discover and cap 1 secured, same day.  about 2-3 weeks later i got an NFCU cashrewards 1k unsecured.   

 

Scores in Sig... 



Starting Score: TU 504 EQ 525 EX 535 (4-4-17)
Current F8 Score: EQ 648 TU 650 EX 670 (5-23-18)
Goal: 680 then 800 club across the board
Inquiries: over character limit
I'm not totally useless... I can be used as a bad example.
Message 10 of 26