Thank you for the information!
MemberSince99 wrote:If you are in prime cards now, why are you worried?"
I'm not worried, just eager to learn more.
I understand the most important thing to do right now is to use the cards I already have responsibly and give them time.
takeshi wrote:How did you get them without a FICO score? Are you an AU on them?
My first application for any sort of credit was in 2012 for Brooks Brothers credit card. I was declined.
In late 2013 I applied for the Chase Freedom and was approved with a $600 limit. I know it may be a little unusual to get this as a first source of credit. I had been a Chase checking customer for a few years, only using a debit card out of irrationally excessive fear of the dangers of credit cards. Maybe they just figured that if I was steadily keeping about $6k with them in checking, it would be unlikely that I'd do serious damage with a $600 limit.
The card is getting close to the 6-month point where some people I've read get an automatic CLI. I'm definitely not going to be the one to ask them, though, as I expect another hard pull would hurt somebody with such a short credit history.
The Discover It I got in early 2014, mainly for the access to my FICO score (before I became aware I didn't even have one) and to hopefully earn some rewards on transactions over $600 I would otherwise pay with debit. I was initially declined for having too thin a credit history. I reapplied jointly with a parent and got a $2000 limit.
With lots of expenses, I usually PIF every 10 days or so to prevent the utilization from getting high.