Posts: 143
Registered: ‎04-11-2012

Re: How soon do you use your new cc?

The first time I'm making a purchase that can be done with a CC.


Sometimes I think you guys think way to into this stuff. 

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ
Established Contributor
Posts: 1,026
Registered: ‎02-27-2012

Re: How soon do you use your new cc?

[ Edited ]

I start using it right away. I got my CSP back in 10/16 and my first purchase was a $1800 plane ticket. 5 days later i charged another $2100 plane ticket. Nothing bad happened and I'm already maxing it out. Since its a NPSL, I might try charging it past its soft limit see what happens. hehe. It's my first NPSL might as well try it.


Actually, I was chatting with Chase's executive office on another issue with a different card I have and they didn't mention anything about my charges and balance. I don't expect that they would have an issue as they extended credit to me to use it and I'm not using it outisde the terms and conditions.

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010

Re: How soon do you use your new cc?

"How soon do you use your new cc?"


As soon as I rip open the envelope?


No, seriously (sorry, couldn't resist the above quip)... I apped for the cards I have in order for them to fill specific roles. So, as soon as I've activated the card and a purchase needs to be made that is appropriate for that card, I'll make it. The issuer wants me to use their card, so if it's beneficial to me I'll do so.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

Re: How soon do you use your new cc?

it's a credit card not a girlfriend, use it as soon as you can rip open the envelope imo =)

your already approved and it won't say no :smileywink:

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 665
Registered: ‎11-13-2012

Re: How soon do you use your new cc?

Nice analogy lol..^
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Re: How soon do you use your new cc?

Just put 3.4k on my 1 day old NFCU. Damn cabinets are expensive.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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