Any Great Beginning/Intermediate Credit Cards?

[enharu]

It's really up to u. If u want to apply for something now, it's best you pay it down, let the statement cut and then for it to report to the CRAs. Otherwise you can always apply in the future after your utilization is lower

[nicholasyud]

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@enharu wrote:
It's really up to u. If u want to apply for something now, it's best you pay it down, let the statement cut and then for it to report to the CRAs. Otherwise you can always apply in the future after your utilization is lower

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I agree with enharu because you only have 2 credit card with ""lil" limit and it's killing your score there i said at least 20 points if u paid utility down. One of the reason for the denial for your recent apply too.

Paid it down and wait a few day after they report 0 balance then go for app spree by thta way u not going to get another ""toys" limit credit card(( Only if you not going to buy a new car, or house in a near future ). 3 should be a good number with your recent history. List 5, 10CC on your wish list and choose the 3 you like the most. Consider Credit Union since they give high limit and easy approval.

Sometimes, it's hard for them to give credit to someone new. We all been throught that time anyway. Slowly and steady should be number 1 concern for credit building,

[Jerryf08]

Do they report monthly or weekly?. I'll probably pay it all off. Or at least leave less than 10%

[enharu]

They usually report monthly. Most of the time 3-7 days after your statement is out

[HiLine]

I don't see many cards you can't get once you take utilization down to 1% or so. If you want an American Express credit card, now's your best chance.

[Jerryf08]

Would it be better to leave a small balance on my best buy card:? It's still in a 0% 24 months because of the T.V. Right now I owe about 2100. I was thinking of just leaving it at $100. Or would it be better to just pay it all off?

It would be best for me to apply right now at my ~36% utilization rate? Or do you mean once I get it at <1%?

[HiLine]

You should have one card report a balance, so yeah leaving $100 on your Best Buy card is a great idea. 36% utilization is quite high. I would drop it to below 10% to avoid raising a red flag.