Rebuilding my credit

English: First 4 digits of a credit card

English: First 4 digits of a credit card (Photo credit: Wikipedia)

I am working on rebuilding my credit.  When I was younger, I had excellent credit.  Even into the early years of my marriage.  It started to go downhill when I started listening to my husband as to what to purchase with my credit cards.  Unfortunately, he and I have very different views of credit cards.  These days, he seems to understand how credit cards work and is on his way to excellent credit.

A few weeks ago, I decided to reapply for a credit card through our credit union.  I had previously applied for a credit card earlier this year and was denied because I did not have my own account with the credit union.  Now that I have my own job and regular income coming in, I decided to apply for a credit card again.  I was disappointed and surprised that I was denied!  Since I was not happy with that decision, I applied for credit cards with other companies.  I found Capital One and I was able to fill out a short form to see if I would “pre-qualify” for a credit card.  Capital One approved me for a credit card with a much smaller limit than I had about 10 years ago, but I am happy with it.

I will be working on rebuilding my credit with my new credit card!  I am very excited!  I finally had the opportunity to use my new card tonight!  I bought new clothes for work!  I am slowly building my work wardrobe.

I plan on using my credit card for purchases here and there.  I am mainly looking to use my credit card for online purchases and then pay off the balance.  Once my credit rating improves, I hope to qualify for other credit cards with higher credit limits.


© 2013 – 2016, Beauty Brite. All rights reserved.

About Admin

Stephanie is a wife and mom. She has been married for over twelve years and started blogging shortly after getting married. When not blogging at Beauty Brite, she can be found spending time with her husband and son, catching up on Netflix, or working out. Feel free to contact Stephanie for more information on how she can help your company.

Leave a Reply