I remember when I got my current place I applied for several credit cards and was denied. Best Buy approved me for $900 instore credit only. That was 5 years ago. Now I apply for credit cards and I get the best APR and a decent sized limit even with banks I have no relationship with.Yo. Amazon was the second credit card I applied for after I had established myself and they denied me. I've been hesitant ever since. Saw this thread and said fukk it and applied. Approved.
It's now my highest limit card. It's gonna fukk up my age history but it's gonna bring my utilization down significantly.
And that $70 is instantaneous.
Feels good to repair your credit like that. I just torpedoed my shyt cause my Fico score dropped 40 points in a month due to a few hard pulls and a loan payoff. When you have an 846 Fico you can afford that though.