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Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: Okay! so I applied for a credit card


BearsAndTurtlesRtheBest wrote:

WOW!!!! Am I surprised with all this information and personal interest! Thank you guys! I will take ALL of your guys advice. For now I will stay in school because I will be taking an ROP class beginning Jan 14 2013 right after christmas break to hopefully get a job as a medical biller and coder in the summer :smileyhappy: So for now finish school and start my credit when I'm 18 in a half. So that I can either get into a joint or getting a good secured card. Like they say no credit is better than bad credit!


I was wondering if your parents have any credit cards to make you an authorized user? 

TU 746 (10/13)
GOAL: 750+






Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,372
Registered: ‎10-02-2012
0

Re: Okay! so I applied for a credit card

@Trans92 My mom just added me to her Sears Platinum Master Card which actually asks or the AU ssn so hopefully that gives me a boost after 6 months. Also my dad and I have the same name so everytime I'm added as an AU it goes straight to my dads because he is more noticable to credit unlike me with no public record.

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Okay! so I applied for a credit card


BearsAndTurtlesRtheBest wrote:


i added my brother (19) to 4 of my credit cards. two have reported for 2 months now and the other 2 are new. after only two months he has gotten his own 2 cards...macys card with 500cl and Bofa basic with 1k cl.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Okay! so I applied for a credit card

[ Edited ]

jsickz32 wrote:

distantarray wrote:

jsickz32 wrote:

hey im young too (21) i started my credit journey with BofA. i had checking with them since i was 16 and the same morning i turned 18 i went to my local branch to app for a card and was approved for their student plat plus for 1k. that same day i appd and was approved for Macys card with a 300cl. i gardened those 2 cards for 2 years with nothing but asking cli on my BofA card. i maxed my cards more than once and carried balances sometimes because being young and with credit sometimes you get crazy lol


we can tell by the number of cards in your signiture :smileyvery-happy:

 

j/k  but seriously the younger you are more people tend to app a lot more. Quality over quantity :smileyhappy:


it was worth it! i went from 8.7k total cl to 43k :smileytongue:


numbers don't mean much :smileywink:  

 

would you prefer a 1,000 bottles of cheap house wine, or 1 bottle of Henri Jayer Richebourg Grand Cru?  :smileywink:   ($20,000 bottle of wine lol) but i guess it would matter more if your a perfectionist or a alcoholic lol

 

It's not a race to see what numbers you can get, I prefer having 1 credit line in 5 digits than seeing 5 credit cards 2k each :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Okay! so I applied for a credit card

I dont drink wine....vodka, whiskey or tequila only please lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Okay! so I applied for a credit card


jsickz32 wrote:
I dont drink wine....vodka, whiskey or tequila only please lol

You just turned 21! tsk tsk sigh smh -_-;


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Okay! so I applied for a credit card

So?... :smileyhappy:
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Okay! so I applied for a credit card


jsickz32 wrote:
So?... :smileyhappy:

you should've graduated to 151 by now :smileytongue:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
0

Re: Okay! so I applied for a credit card

Good job becoming an AU on your mon's card. Use it and PIF and within 6 months or so you will see your credit score bump up. I suggest you purchase your Fico EQ and TR from this site just to see where you stand. Or you can use Credit Karma and Credit Sesame for your TR and EX respectively. They are free but are considered FAKO (not real scores) but it is similar. Great decision to sign up for ROP, my friend was in it and started at Best Buy and within months he was hired to work there because he had gotten experience from ROP.

Keep up the good work and be patient most of all.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,372
Registered: ‎10-02-2012
0

Re: Okay! so I applied for a credit card

@ObeyJohonny12 Can't wait. I already requested my credit report via My Fico but I don't have enough history for them to provide me with my score. Ill wait until 6 months and then see whats up :smileyhappy: Thats excellent what happened to your friend hopefully same happens to me. I 've gotta give it my best once I begin my course because it will provide me with an income which will allow me to begin my credit, and start to take on responsibility. :smileyhappy: :smileyhappy:

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

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