New Credit vs. Old Credit

Not very long ago I was finding it very difficult to get approved for anything without paying through the roof for high-interest rate auto loans and apartment rentals. Credit cards were next to impossible to secure unless I plopped down a deposit for a secured credit card. It wasn't ideal, but it was a start.

Knowing my credit history, I hadn't applied for unsecured credit in a very long time but for whatever reason, I decided to try my luck again and applied for a Capital One "Platinum MasterCard". To my surprise, I was approved! After three months of on-time payments, I applied for the Capital One "Quicksilver One" card and was again approved!

Needless to say, I was blown away by my good fortune. Things were finally starting to turn around for me so what did I do? Yep. I applied for a third card just two days after being approved for my second card in three months and was approved for a Kohl's Department Store card!

So you see, no matter how many times bill collectors ring your phone and scare your wife when you're not home, as long as you consistently apply on-time payments towards your newest and most recent credit accounts, good things are bound to happen!

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Kohl's Charge: APPROVED!

YES... I was just approved for a Kohl's Department Store charge card! Now, you may have never heard of Kohl's before but for those who are familiar, Kohl's is one of the best discount stores on the planet. When you think of Kohl's, think Target, because they are basically one and the same except that Kohl's might be cheaper!

The good news is that if Kohl's is not local to you, you can always visit for the best deals around! This department store has discounts on top of discounts on top of discounts! If you decide to stick with them, you can literally save hundreds of dollars a year on your purchases!

So just in case you have not been following my blog lately, my new Kohl's card is the third unsecured credit card that I have received in the last three months and boy does it feel good! I'm ecstatic because there was a time not too long ago where I couldn't buy a line of credit and now it seems that everyone is willing to give me a chance!

So with that, I want to leave you with this: Don't ever give up! No matter how bad your credit may be today, there is always a brighter future tomorrow. I am living proof of this. With my experience, I can easily guide you through to a brighter day!

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Capital One Gave Me A Third Chance!

In a previous post entitled: Capital One Gave Me A Second Chance!, I spoke of how after defaulting on a previous Capital One credit card account, that 6 years later I reapplied for a new card and was approved. That was just three months ago.

Fast forward to today. On a whim, I decided to apply for the Capital One Quicksilver One credit card and was approved for the second time in just three months! To say I was shocked would be a gross understatement.

We're talking about a person who just a few years ago could not get approved for anything other than a secured credit card. Now, with my newfound credit, I will continue to use it responsibly as Capital One is known for generously increasing your credit limit by $2000 after just 5 months of on-time payments!

If you've had trouble reestablishing credit in the past, I highly recommend applying for the Capital One Platinum Card first. After making three to five on-time payments above the minimum amount due, then you can confidently apply for the Quicksilver One card. By using your new credit wisely, you will soon be rewarded.

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