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So far so good....

Moderator

Re: So far so good....


BearsAndTurtlesRtheBest wrote:

JUST got back from opening my FIRST checking & savings acct from my local CITI branch and everything was successful. Im going to return in 10 days with my paycheck to deposit money, get temporary debit card, and set up online acct.

Also just paid of dads Brooks Brothers CC that had a $146.00 balance. Its now "0" and will be closed once new statement generates. CL $1,400

Same with dads Best Buy CC it had a $139 balance and its now at "0" and will also be closed. CL $1,200

ALL IN ALL IM FEELING POSITIVE, and seeing the light. I do got WAY more CCs to pay off. "Step by step"

Thanks for all the advice and help my fico family!!!


Congrats on first bank accounts!  That's one of the first steps to personal financial responsibility, IMHO.  Citi is good to get in with, too.  Don't burn 'em, like I did...heheh.



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 11 of 23
Valued Contributor

Re: So far so good....

Congrats! You're well on your way to your goals!


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 12 of 23
Established Contributor

Re: So far so good....

Congrats and keep up the good work!
Message 13 of 23
Regular Contributor

Re: So far so good....

Congratulations! And Cats are awesome too. The big ones can eat turtles Smiley Wink

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Message 14 of 23
Valued Contributor

Re: So far so good....


BearsAndTurtlesRtheBest wrote:

JUST got back from opening my FIRST checking & savings acct from my local CITI branch and everything was successful. Im going to return in 10 days with my paycheck to deposit money, get temporary debit card, and set up online acct.

Also just paid of dads Brooks Brothers CC that had a $146.00 balance. Its now "0" and will be closed once new statement generates. CL $1,400

Same with dads Best Buy CC it had a $139 balance and its now at "0" and will also be closed. CL $1,200

ALL IN ALL IM FEELING POSITIVE, and seeing the light. I do got WAY more CCs to pay off. "Step by step"

Thanks for all the advice and help my fico family!!!


Rock on! Step by step....that is an awesome and sound approach.

 

Congrats!

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 15 of 23
Valued Contributor

Re: So far so good....


BearsAndTurtlesRtheBest wrote:

JUST got back from opening my FIRST checking & savings acct from my local CITI branch and everything was successful. Im going to return in 10 days with my paycheck to deposit money, get temporary debit card, and set up online acct.

Also just paid of dads Brooks Brothers CC that had a $146.00 balance. Its now "0" and will be closed once new statement generates. CL $1,400

Same with dads Best Buy CC it had a $139 balance and its now at "0" and will also be closed. CL $1,200

ALL IN ALL IM FEELING POSITIVE, and seeing the light. I do got WAY more CCs to pay off. "Step by step"

Thanks for all the advice and help my fico family!!!


Why are you paying off your dad's credit cards?


Message 16 of 23
Senior Contributor

Re: So far so good....

@oscar_actuary yeah you can say that so at least that ive been there done that with CC debt so I dont do it once I enter my 20's.

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 17 of 23
Senior Contributor

Re: So far so good....

@SunriseEarth Thanks! an yeah to the looks of it Citi does look like a great bank Ill keep posted.

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 18 of 23
Senior Contributor

Re: So far so good....

@parakleet thank you!

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 19 of 23
Senior Contributor

Re: So far so good....

@missjae thanks!

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 20 of 23