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Definitely wish someone had told me how to properly use my credit when I was younger. I intend to pass this advice down to my children so that they don't make the mistakes I did.
@ccnewcc wrote:
@mr_postman wrote:wow i am amaze to what my son have done in the last 8 months building his credit profile
March he asked me to add him as AU to walmart and target I did he then turn 18 march 2012 by september he generated his first score all were above 740 got his first secured card with bofa now he has all these cards 7 cards looks like primeville to. He started his own Phography buisness at 18
4.5 credit history AAOA 7 months income less than 15K annual
USAA Platinum Visa 15K
USAA Amex 4K
CITI Forward 2K
Discover More 3K
Chase Freedom 1.5K
GE Paypal Xtras Master Card 3K
Lowes 1K
Oh wow, that is impressive.
Tho I am sure that his USAA cards are pretty much useless and just sit in a SD. Since he only has an annual income of less than 15k and USAA cards have horrible rewards with their tiered spending levels.
youre absolute right that card is in the safe even though he is responsible 15k with a 18 year old can be tempting
@mr_postman wrote:wow i am amaze to what my son have done in the last 8 months building his credit profile
March he asked me to add him as AU to walmart and target I did he then turn 18 march 2012 by september he generated his first score all were above 740 got his first secured card with bofa now he has all these cards 7 cards looks like primeville to. He started his own Phography buisness at 18
4.5 credit history AAOA 7 months income less than 15K annual
USAA Platinum Visa 15K
USAA Amex 4K
CITI Forward 2K
Discover More 3K
Chase Freedom 1.5K
GE Paypal Xtras Master Card 3K
Lowes 1K
Where is his BOA card on here? With the new rules on CCs on people under 21 it really makes this hard not to be skeptical esp with a stated income of only 15k....I wont name any names but this sounds a little like you know who.....
Anywho congrats to your son...(puts popcorn in microwave)
with the au boost.
the only real advice anyone needs is pay on time only if its to pay the least. never ever pay late or dont pay.
and only apply for what you need not what you want.
spend what you can pay now not what you think you can pay next month.
and youll be golden.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@beb86 wrote:
@mr_postman wrote:wow i am amaze to what my son have done in the last 8 months building his credit profile
March he asked me to add him as AU to walmart and target I did he then turn 18 march 2012 by september he generated his first score all were above 740 got his first secured card with bofa now he has all these cards 7 cards looks like primeville to. He started his own Phography buisness at 18
4.5 credit history AAOA 7 months income less than 15K annual
USAA Platinum Visa 15K
USAA Amex 4K
CITI Forward 2K
Discover More 3K
Chase Freedom 1.5K
GE Paypal Xtras Master Card 3K
Lowes 1K
Anywho congrats to your son...(puts popcorn in microwave)
yes his BOFA is now 7 months old his income is 15k a month from hisphotography business it's a hobby but his making moneymaybe I should of added that he also gets gibill bill of 987 a month he said that some cc company accepts it as income and some don't navyfed doesn't accept gbill as income but usaa does and others did not even verify income. can some tell me what beb86 trying to imply
If I have kids one day, I hope to be as successful
@Repo-ed wrote:If I have kids one day, I hope to be as successful
i dont think its a good idea to let kids had that kinda high credit limit.............That's the reason why most credit company wont let one had their first credit card when they 21 .......When you said Kid....yeah its a kids...........Its very easy for them to get in trouble with that kinda high money in hand..............just sayin'.......................