OH MY EFFING GOD!!! I was approved for a credit card!! My own credit card!!

Okay, backing up – I’m Canadian, I moved to the U.S. two and a half years ago, got married, did the immigration process thing. It took a while to get my Green Card (permanent residency card) and social security number, both of which are pretty much required in order to have an identity here in the United States. (Thank god for my husband, that’s all I can say… I relied solely on him for EVERYTHING! I couldn’t even get a bank account!)

And now, despite having a legitimate job, paying taxes, etc etc – I still couldn’t get a credit card. I applied a few times, and was denied over and over again because I had no credit history. Actually the first few times I was denied because they couldn’t even identify me as a person, isn’t that quaint? (This was months AFTER I got my SSN.) I even got denied for a freaking Bon Ton store credit card.

We bought my car and put it all in my name. Den co-signed the loan.

At Motherhood when I was there last the cashier lady talked to me about the FutureTrust credit card they promote/offer, which gives you a percentage of every charge into your child’s college fund. I applied for it but was like, “Eh, I doubt this is going to work.” I got a letter afterwards saying that they were “gathering more information” – which is usually the precursor to “Sorry, we can not approve you at this time.”

But I just got an email saying I was approved!! I have my own credit card now!! It probably has a ridiculously low limit, but that’s okay!!

I’m so excited right now. LOL