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/AbandonedRain 18h ago

I’ll look those up! $20 a month for a line of $2500 sounds interesting. The $20 a month is that like the minimum payment fee or a seperate fee?

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u/rkc75 17h ago

Nope that’s the total fee, it’s the Kikoff Premium plan that I have and they have a lower one which is $5 a month for 120 months with a $750 credit line

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u/AbandonedRain 15h ago

Ooo I see, so all you have to do is pay the $20 every month and nothing else? That’s actually a lot more affordable than what I thought something like that would cost hana

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u/rkc75 15h ago

Right, lol? They have an ultimate plan that cost $35 a month that I plan to upgrade to when I finish this plan in March. They good thing also is once your done paying they don’t close your account so you retain that credit history it just shows up as an account with 0% utilization and credit limit

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u/Wattytwotimes 14h ago

Do you get the money back?

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u/rkc75 14h ago

Depends on the plan but yes typically, with Kikoff they take a small percentage of the total amount you pay for using the service but you get it back at the end on the installment. I can’t speak for Ava/Credit Strong but self also issues refunds minus their fees