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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