Two months ago today, I had tried and failed to get a credit card with a few different banks. I was so defeated. I honestly didn't know how to build my credit if nobody wanted to take a chance on me.
I had visited SunTrust bank and inquired about their secured credit card, but didn't really want to pay the fee associated with the card. Really, I had given up.
A few weeks ago I decided to visit Credit Karma to see what was going on. Of course, I didn't have any credit so I didn't expect to see much, but it gave me suggestions on how to build up my credit. One of those suggestions was the Capital One Journey card. It's actually considered a student card, but you don't have to be a student to get it.
I went to Capital One's site and filled out all my information, held my breath and hit submit. Fully expecting to get denied once again, I almost fell out in the floor when it came back 3 seconds later saying I'd been approved. Keep in mind my credit limit is scary low, but I was approved for my first credit card!
Besides the low credit limit, it is actually everything I was looking for. I get 1% back on all my purchases, plus an additional 25% on that 1% when I pay my balance on time. It's just perfect!
I patiently waited for my card to get here and luckily it made it in before Black Friday! So me and my new card went out Black Friday shopping.
|Going out shopping on Black Friday|