First i would like to say hello to everyone, I've been searching these forums for a bit now but finally decided to join.
I'm a 19 year old currently working full time as a server at a well known steak house making 35k+ annual . I started my credit journey just about a year ago when i took the plunge on my first card, March 2012 Instant approval 2k limit on a Wells Fargo Platinum Visa.
I had my sights set high for my next card. After gardening for 5 Months applied online for American Express Hilton HHonors Surpass, Check app status right after and was approved 2k. After searching down how soon after i could get my hands on another Amex, I App'd for the Pemier Rewards Gold Card in October 2012 was also approved called and added 3 AU and had all the cards expedited
In December 2012 I Tried my luck again for the Chase Sapphire Preferred card and was DECLINED, i called and tried to recon but since i only had 9 months history and nothing with 5k limit was still declined
In January i had took about 4 HP for auto loans so that effected my score a bit, even after i didn't take any of them i decided to fix my car, which caused me to run a high balance, also effected my score. so I've been in recovery since. I recently app'd for Citi Diamond Preferred card on March 31st and was approved with 2.5k CL.
So thats my year in credit id like to hear feedback and options. Future goals are to definetly obtain a CSP and to upgrade form Gold Amex to Platinum when i start traveling more often to make up for the $450 AF and probably get some airline card aswell
Wells Fargo Plat.[2K]
American Express Hilton Surpass[2K] ; PRG [NPSL]
Citi Diamond Preferred[2.5k]