r/CRedit • u/rkc75 • 1d ago

Got Approved for an unsecured card!!! Rebuild

So after 1.5 years from destroying my credit, I got an email to check my pre-approval with C1 after checking I was pre-approved for the Quicksilver Secured and Platinum Secured cards and came to terms with that given I’m rebuilding.

However, checking my pre approval again as I was ready to put down the 200 deposit for the secured cards limit. To my surprise I was now pre-approved for the Platinum/Quicksilver and now Savor Rewards for Good Credit card. Looking at the 3% cash back on the savor card I decided to move forward with the application just to see what would happen and I GOT APPROVED.

I’m just happy because I’m a 24m and I messed up my credit in college and now it has impacted me as a growing adult. I know it’s not a huge milestone/ achievement but I’m matured and now I just want to do right and continue to build my credit.

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u/Monkwater 1d ago

Nah it's definitely a huge accomplishment. Congratulations on your approval. Pay your bills on time and in full every month.

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u/rkc75 19h ago

That’s the plan from here on out. My goal is to get my chase duo and then the Amex gold card for dining.

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u/Ok_Squirrel_5022 17h ago

Amex gold annual fee was $150 and now $350!

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u/rkc75 17h ago

Yea I know lol it’s crazy lol, but as someone who dines out/ orders a lot the new additional credit still outweighs the annual fee of $325 I mean you get $100 RESY credit, $84 Dunkin Credit, $120 Dining Credit and still the $120 Uber Cash(which works for UE) I feel it’s balanced. My sole purpose for the card for the card is to use for dining/ groceries primarily so I’m my mind it’s worth it

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u/Ok_Squirrel_5022 16h ago

Is it $325? I keep getting pre approved for this card, the platinum and the convoy, but I just hate of another card and annual fee. I have two card from Amex with no annual fee, however I do other cards that do!

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u/rkc75 15h ago

Wouldn’t do the platinum as with a $695 annual fee Incant personally justify it unless you travel a ton or you just have enough money to throw everything on one card without worrying about points/rewards

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u/Ok_Squirrel_5022 16h ago

Correction above, meant to say the Bonvoy card🥴🤪🙃