I've been reading for a while, now. I wanted to say hello. I first found myFico, and noticed the crazy. Then I found this forum.
I was approved today for my 3rd card after resolving some issues from when I was 19.
Back in 2007/2008(MSD 06), I left amex with a $4,300 tab, after what I felt was unfair treatment("If thats how you're going to be, I just won't pay.") My first CC was that amex. The issue was settled in March 2014. I can still remember that last words from the CSR, "you will never be able to have another amex." - I'll get back to this.
I was feeling great about settling my old debt. In anticipation of needing credit for real purchases, I opened up a Discover it chrome & barclaycard Rewards in June with modest limits(500, 1300). I love barclays because they gave me a chance. I'll be loyal to them as long as they remain in business. I put basically all of my spend on these cards.
Today I was approved for a Visa Signature from capital one. Although I vowed to never to business with them, it was the right move for my needs and options.
I'm 4 months away from graduating with a degree in mathematical finance. I have some good connections, and I'm optimistic about getting a job in a field related to wall street. It feels great to see the academic finish line. I've been getting into gear, switching back to business from doing math for the past 4 years. I'm excited to start earning
I spoke to an amex csr a few months ago and asked about my old account - if I was blacklisted. He told me that there are no issues on my account, and referred me to the new accounts department. Although, the prequal is always instant in saying no. I wanted to apply today, but decided to wait until I'm solidly on a career path.
I don't need, nor want 100k's in credit. Nor do I care to maximize rewards. The difference between 1 & 2 percent for the amount I spend isn't very important to me. I am happy to have access to 3 payment networks, and aim to improve the quality of card on each network. I'd love to get back in with amex. I wish I knew how great they were before I stuck it to them. A charge card is more in line with how I use credit. I don't use credit finance unaffordable expenses.
Anyhow. I was happy to be approved for a card with a useable limit. And, I thought it was time to say hello.
Green Charge Card is in my sights.
Oh yeah. My name is like a drink. One Credit On the Rocks, Please.