discover it card

[AccountingGuy]

Nope.  I received a "pre-approval" letter in the mail and applied online.  They gave me the 7-10 day response and called me a couple of days later to offer me a slightly different APR than what I applied for.

They offered an $800 limit with a low transfer APR offer.  So, I accepted and transferred the balance of another card over.

I can't wait until I start my military career in Feb.  SCRA drops all loan/card rates to 6% max.  That will make me a happy accountant

[KoolDev]

Personally i suscribe to the three credit reporting agencies and have the Fico monitoring.  Its a little expensive.  20 here, 14 here/per month etc.  I forget the name of the site where you can get your free one.  I used it up quick in my process of rebuilding lol.  Now its more of a monitoring thing with me.  I can monitor alerts and at this point, its important for me to be able to see when cards update balances etc so I know which ones to put my attention to before the reporting dates.