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18 years old with these cards and limits.

Epic Contributor

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!

Message 11 of 18
Valued Member

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
Message 12 of 18
Senior Contributor

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.

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 13 of 18
Regular Contributor

Re: 18 years old with these cards and limits.

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

 

 

Message 14 of 18
Epic Contributor

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.

Message 15 of 18
Frequent Contributor

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

Message 16 of 18
Valued Member

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
Message 17 of 18
Frequent Contributor

Re: 18 years old with these cards and limits.

better than getting a $20 bill from your grandma

Message 18 of 18