Citi Forward approval.

[haulingthescoreup]

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@Icewave76 wrote:

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@android01 wrote:
I really, really wish there had been a place like these forums around when I was your age.  It could have prevented a lot of stupidity on my part, and a lot of pain down the road. 

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I agree.  I went thru a couple bad years myself.  Did everything wrong that someone could do wrong (all by my own doing and lack of knowledge).  Took me many moons to get things cleared up and back in the right track.  That said, I'm now debt free, got 3 good cards, and scores in the 800s.  It's good that people have this resource available if they wish to make use of it.

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lol, I was so stuck on stupid that if there had been a site like this back then, it wouldn't have done me any good. Add one flaming case of adult ADHD to lack of computer access for billpay plus a mailbox at the bottom of the driveway that was routinely rifled, and you'll wind up with an awful lot of lates. 

I got motivated to act like a grown-up in connection with my finances and credit when I realized that I'd be having to live on my own in a few more years, and that I needed to be ready for it. 

[Anonymous]

I got my card today. Had a little trouble activating it through the voice prompt system. The customer service agent was really nice and activated it immediately without trying to sell me the "extras".

I get to try it out tomorrow. :-) (Responsibly of course.)

Thanks for all your awesome help here. I have learned a lot in the while I have been reading these forums.

[trumpet-205]

Congrats to you too.

Funny though because the representative I dealt with kept asking me to sign up for credit monitor service.

[Red1Blue]

When you applied was it an instant approval for student card or did take some time for the approval process ?

[jefftca925]

Congratulations on the new card!!  I agree with everything HTSU said regarding using credit wisely and allowing your credit to get established.  You should only charge what you can pay off every month and don't get your self in the habit of making monthly payments for your day to day expenses.  When you get older there will be a time when you'll need to finance something large and need to make payments...but not now.  If you allow a balance to show on the "statement date" make sure that it is only around 10% or less but no more than 30%.  Citi does like usage and it will help to increase your CL down the road.

Read the thread on how "FICO High Achievers" get their scores.  That will give you some great info on how you too can get a great credit score.