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Mega Contributor
Creditaddict
Posts: 16,869
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 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
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: 2,942
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.


Wells Fargo Platinum VISA $1,000
Sony VISA $500
Bloomingdale's Credit Card $800
Macy's Credit Card $600
EX FICO---,EQ FICO---,TU FICO---, AAOA---, In the Garden Since 03-25-14
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: 16,869
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 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Frequent Contributor
OptimalCS
Posts: 401
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
Regular Contributor
gen-specific
Posts: 215
Registered: ‎02-27-2013

Re: 18 years old with these cards and limits.

better than getting a $20 bill from your grandma

AMEX Blue 30k, Chase Sapphire Preferred 30k, Citi Thank You 24.9k , BoA VISA Rewards 17.5k, Wells Fargo 15k, Barclays 8.6k, Citibank Custom Credit Line 12k, Citi Diamond 7k, Macys/AMEX 2.5k/500

EFX 768, EXP 706, TU 747, AVG 740 GOOD - Oct 2013
EFX 667, EXP 658, TU 662, AVG 662 WEAK - Feb 2014
EFX ???, EXP 731, TU ???, AVG ??? ------------ Apr 2014

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