I hope my Review Give hope to those who are new to Aquiring Credit Lines
First off i Got My First Credit Card Ever in January this year I did not have a fico score or a Credit Karma Vantage score 0.the Capital 1 Secured and a Self Lender Loan same month which accumilated a credit karma score 628 Transunionand 666 equifax then in Feburary i got the Discover Secured card for 200 and in March i added 800.00 to the deposit and made my Discover 1000.000 and that Gave me 33 more point on Trans Union and Equifax..same month in March i was Added as a Authorized User to a Family Member Capital One Savior Card that was 4 yrs and 5 months old Perfect payhistory and 0 Balance of 3000.00 Boom.Now i have generated Fico Scores in 3 months 705 Experian 745 equifax and 747 Transunion Fico8
This month April my Capital 1 secured turned 3 months old along with my Self lender Loan 3 months. i got another 39 point Boost all 3 Bearus
which today my scores are Exp 744 Trans 768 Equidax 766.So Finally this Saturday that just Past I checked The Chase site for Pre qualifications offers and for the first time out of a 100 tries in 3 months i was pre approved for 4 Chase Cards The Slate, Freedom, freedomunlimited, chas saphire preferred.
Then I thought i Should not apply Cause my Experian Had 7 Inquiries 5 of them withn a year, My Transunion Had 5 Inquiries and Equifax had 3 inquiries
So I said what the hell give it a Shot, I went to a branch Sat with my Banker and he told me to follow my Preapproval Link and apply on my Phone its probably best so I did while sittin there at the Branch and I wasnt approved instantly so He picked up the phone and made a call to quikend the application process they spoke for a minute and then they told the Banker to Tell me to call the Fraud prevention Number on Monday toda because they where closed on weekends.Now Im thinking Im Denied..Nope he said, its most likely to Id verify you..so Today i went back to the Branch I Been Banking at for a Year and Had the Banker Make that Call..I was nervous a Little but he spoke to them told them Yes he have a Checking account and then He passed me the phone i gave them my Cell number and they texted me a Passcode and repeated it to them and i was Approved for 1000.00 not much but more Importantly Im In The Chase Credit card family . So If you just Started Building Credit Here is My Complete 3 month Process to Obtaining a Chase Card and i didnt have a Credit Score at all 0 back in January. i hope my Review Help and give Hope… show more