07-07-2013 11:32 AM
Cap 1 secured-650 limit
Cap 1 unsecured -750
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!
07-07-2013 12:00 PM
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.
07-07-2013 12:33 PM
Very impressive line of cards man... keep it up!
07-07-2013 02:45 PM
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.
07-07-2013 03:29 PM
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.
07-07-2013 10:01 PM
better than getting a $20 bill from your grandma
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO