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.
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