For as long as I can remember, I’ve had bad credit, yet I’ve never owned a credit card. My low standing has always been from no credit (which is sometimes worse) and outstanding hospital bills and such. Well, the bill part’s been paid off for awhile, but the no credit part has always lingered.
From time to time, I’d apply for different credit opportunities at “Victoria Secret,” “Discount Tire,” “Target,” etc., and ever time, I was declined, and I’ve never really needed to do anything about it, until recently.
Back in December, I had the chance to go to New York with Kyle, but I had to buy my own plane tickets. Well, that wasn’t going to happen because I continually live paycheck to paycheck. Thankfully, a friend of mine put the tickets on her credit card, and I’m paying her back, but it got me thinking, “I need to work on my credit, just in case things like this come up,” so I made a vow to myself to do just that.
In January, I looked online for ways to bring up your credit score, and time and time again, I saw that it was helpful to have a credit card, so I put my thoughts on the back burner, until last week, when my bank sent me an email.
In the email, they said I could, now, check my credit score through my account. When I clicked on the link, I found my credit score was in the red, a whopping 557 (those of you who know about credit scores know that that’s a low one). Upon seeing that number, I emailed the bank about my chances of obtaining a credit card.
After being forwarded three times, I was told that the credit application process would go through a third party and that the bank wouldn’t have any say so in the matter, so I’d given up, but then, something changed.
That night, after my shift (at ten of clock at night), I decided, “What the hay, Laura! Just try it!”, so I went online and applied, and within seconds, I was approved for my very first credit card ever!
It has a limit of five hundred dollars and will be used for gas, and every month, I’ll set aside my gas money to pay it off. In no time at all, I’ll have credit in the green, instead of in the red.
Anyway, there’s my “growing up” story for you! I wanted to share it with you but wanted to have the card in hand FIRST!!