"credit? no. it wasn’t that i had bad credit. i had... i had... what’s lower than that? mud?"

华人网 2025-7-3 02:50

"credit? no. it wasn’t that i had bad credit. i had... i had... what’s lower than that? mud?" look, i don’t know what you want me to say. like. yeah. i got a card. one with 1,000 on it. not fake. not that “you can shop from our catalog” BS. real. swipe swipe. beep. but it wasn’t clean. it wasn’t like “step 1 apply, step 2 approved.” nah. it was more like: remember jess? she had that purple visa she said “yo, they didn’t even ask my score” i didn’t believe her two weeks later i pawned my speaker, sent $750 (wasn’t even 1k yet) card came i spent it on gas, ramen, late-night taco bell my score? dropped. obviously. (didn’t know u gotta keep it under like, 20%... or 10? idk) then like—three weeks? no. month and a bit later. i saw my FICO move. 11 pts up. then 6 more. not huge. but felt like something. then—this part dumb—i tried applying to discover. got denied. waited. applied again, tax refund in hand. bam. approved. cashback. little green text on dashboard. felt legit. openSky didn’t check my credit. didn’t ask anything. they just took my deposit and gave me plastic. you wanna know if it’s “guaranteed”? idk. worked for me. worked for latoya. didn’t work for dev. he tried to use his mom’s address and it flagged fraud. so, idk. just be normal maybe. can you do this too? probably. if you got the cash up front. i didn’t at first. but i figured it out. i didn’t use it smart at the start. but i figured it out. i didn’t know what utilization meant. but i googled. and yeah. i have 1 card. maybe 2 now. limit? $1k and $1500. score? 603 last time i checked. still got collections on my report. but i can rent a car now. and they don’t treat me like a ghost at the counter. so maybe that’s something.