I was clueless when it came to credit and how it worked. Thought I was screwed forever because of mistakes I made early on. Every now and then I would apply for a store card and always get denied. Received a Chase freedom invitation email and said "why not?". Probably the first time I'd applied for a CC in 2+ years. Instantly approved for $500! Whaaaattt??? That was the first shocker.!! Signed up for CK and had a 530ish score with 2 collections. Paid the collections off in full, did tons of homework on my own, got some advice from a friend and brought my score up 100 points in three months. Applied for a CO quicksilver and was approved for $300.
Fast forward five months(eight months from when I was first approved for the CF) and I'm sitting with a TU:694 and EQ:682. QS limit was just raised to $800 and I was debating on whether or not to request a CLI for my CF. After calling twice and backing out both times, I decided to go for it. When the lady on the phone asked me how much of an increase I wanted I first said $1000, then switched to $500, then explained I was a little nervous about the ordeal and wasn't sure how much I should request. She then asked "You wanna just leave it blank and see what happens?" and I said "Sure". The next words I heard through the operator's smile was "you've been approved for a $5000 increase bringing your limit up to $5500." Shocker number two! I thought it was going to take my at least another year to get a limit that high! Third time was truly a charm!!
Thanks to CF's insane approval and everything I've learned from CK's site--especially these cardholder's reviews-- I'm on the road to great credit!!! Such a friggin relief!!!!!! :) :) :)