Hi all. I'm new to the forum and new to building up my credit. Within the past couple days I have done a lot of research on how to get a good credit card after foolishly applying for an AmEx card on my first try.
This forum has been a great help for me
I'm 21 years old with a very thin file, but I do have an old collections account from when I was 19 and had an unpaid medical bill. After applying with AmEx they told me I had a 659 Experian FICO score and not enough credit history to be approved for their Blue card.
I filled out a Chase Freedom application last night and got their polite dismissal response saying they would contact me withing 7-10 business days. However I called and spoke to a couple very polite people and discovered my application was approved. It's not a high CL, but I'll take it since it's my first card