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Epic Contributor
Creditaddict
Posts: 22,052
Registered: ‎10-23-2007
0

Re: 18 years old with these cards and limits.


matthallis wrote:

Cap 1 secured-650 limit

Cap 1 unsecured -750 

Discover it-1500

Chase freedom-3000

Walmart discover-3000

 

Recently approved for a few cards

 

Amex BCE- approved for 3k

 

Citi Simplicity 4.5k.

 

Should the simplicity be my main card for rewards?

 

I believe i have enough cards for the next 5 years lol.

 

any constructive criticism?


Amex Freedom and Discover depending on "quarter rewards" and where you were shopping would be my go to cards and Amex would probably get my daily spending unless you bank with Chase or something and think the long term relationship would be better spending through them.

I would also close your secured card, send an email to exec office for your unsecured card and ask for AF to be waived forever if you have one and CLI up to your other cards (ask for $3-$5k) they will counter!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Valued Member
matthallis
Posts: 48
Registered: ‎03-08-2013
0

Re: 18 years old with these cards and limits.

what is the eo email address i could never find it?


Gardening as of 7/7/2013
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,694
Registered: ‎10-02-2012
0

Re: 18 years old with these cards and limits.

Whoa! Thats a nice collection and for only being 18. How did you do it? Im also 18 and so far have only managed to be an AU on my parent's cards which isnt that big but def. a step.

Regular Contributor
CollegeStudent530
Posts: 151
Registered: ‎04-07-2013
0

Re: 18 years old with these cards and limits.

Very impressive line of cards man... keep it up!

 

 

American Express Blue Cash Everyday® - $33,600 | United MileagePlus Explorer Card - $16,000 | Discover It™ - $8,000 | Chase Sapphire® - $6,000 | Chase Freedom® - $6,000 | BankAmericard® Better Balance Rewards™ - $2,500 | Golden 1 Credit Union Student® - $1,000

Recent College Graduate l Age: 21 l Gardening as of 08/15/2014


Epic Contributor
Creditaddict
Posts: 22,052
Registered: ‎10-23-2007
0

Re: 18 years old with these cards and limits.


matthallis wrote:

what is the eo email address i could never find it?


sent you private message with email.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Frequent Contributor
OptimalCS
Posts: 405
Registered: ‎07-31-2010
0

Re: 18 years old with these cards and limits.

+1

 

Definitely enough credit cards. Congrats on your approvals. Just remember to use your credit wisely. Once it goes bad it will take years to recover.

CARDS.jpg

Valued Member
matthallis
Posts: 48
Registered: ‎03-08-2013
0

Re: 18 years old with these cards and limits.

Thanks guys. 

 

How I did it was I applied for the cap1 secured card along with the unsecured and was approved for both ... 500 limit on each.

 

After about 5-6 months i applied for a walmart discover card. approved.

 

Then moved on to discover it and chase. I am definately done applying for new cards for sure . I will join the garden as of today for the next 1 year.


Gardening as of 7/7/2013
Frequent Contributor
gen-specific
Posts: 330
Registered: ‎02-27-2013
0

Re: 18 years old with these cards and limits.

better than getting a $20 bill from your grandma

Citi Thank You Premier 60k, AMEX Blue 30k, Chase Sapphire Preferred 30k, BoA VISA Rewards 30k, Wells Fargo 30k, Barclays Arrival+ 30k, Citibank Custom Credit Line 12k, Macys/AMEX 2.5k/500

EFX 711, EXP 713, TU 713 - AVG 701 GOOD - May 2014
EFX ???, EXP ???, TU 764 - AVG 764 GOOD - Aug 2014

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