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Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

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 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Valued Member
matthallis
Posts: 48
Registered: ‎03-08-2013

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
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,257
Registered: ‎10-02-2012

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.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Regular Contributor
CollegeStudent530
Posts: 136
Registered: ‎04-07-2013

Re: 18 years old with these cards and limits.

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

 

 

American Express Blue Cash Everyday® - $11,200 l Chase Sapphired Preferred® - $6,000 l Discover It™ - $5000
Chase Freedom® Visa - $3000 l BankAmericard® Better Balance Rewards™ - $2000
Golden 1 Credit Union Student Visa® - $1000

Age: 21 l Gardening as of 10/21/2013


Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

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 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Frequent Contributor
OptimalCS
Posts: 405
Registered: ‎07-31-2010

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

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: 264
Registered: ‎02-27-2013

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+ 20k, Citibank Custom Credit Line 12k, Macys/AMEX 2.5k/500

EFX 667, EXP 658, TU 662, AVG 662 WEAK - Feb 2014
EFX 678, EXP 733, TU 691, AVG 700 GOOD - May 2014
Spree results: EFX ???, EXP 713, TU 713 - AVG 701 GOOD - May 2014

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