Two years of Credit History

[mnavas]

I can't believe it's been two years since i got my first unsecured credit card. Time really flies...

My credit journey started with a Macys store card which i got it with a $100 CL

I'm really thankful that Macys gave me the opportunity of starting to build my credit without having any kind of credit history on my credit files. Today this store card has gone from $100 to $3000

I also upgraded my store account to the Amex version last December and was given a $6000 CL

Anyway 2011, was a building credit year for me, After i got the Macys account i opened two secured cards Wells Fargo and Capital one. I kept the Wells Fargo Card for 18 months and i closed in March / 2013 due to the lack of graduation i still keep the Cap 1 open but i'm going to close it in the second anniversary (Nov 2013)

Also, i asked my mom to make me a Joint user on her 10 + year Store account and now this account looks on my report as if we were both applied together in 2001. They didn't even asked me about my income when they sent me a letter asking me about my personal info so basically this account relies on my mom's income only

My Credit Journey:

2011:

Macys store account         09/2011 - Pesent  $3000 CL
Wells Fargo Secured Card 09/2011 - 03/2013 $2000 CL
Capital One Secured Card 11/2011 - Present  $1000 CL

2012

Macys Store Joint account*  11/2001 - Present $6000
Discover Card                      11/2012 - Present $2500
American Express BCE        12/2012 - Present $6900
Macys American Express**   12/2012 - Present $6000

* Ask my mom to add me on her 10+ year Macys Store Account
** Upgrade to Macys AMEX request

2013

Amex Green Card     02/2012*- Present NPLS
Citi Thank Preferred   03/2013 - Present $4500
Chase Freedom         04/2013 - Present $2200
Boulder Valley CU     05/2013 - Present $4000
Chase Amazon         07/2013 - Present $1700
Best Buy CBNA        08/2003               $4000

*Opened in 02/2013 but shows 02/2012 due to Backdating

Accounts to be closed soon:

-Capital one Secured card 10/2013

-Amex Green Card 12/2013

2014 (Future Plans)

-Chase CSP (First quarter 2014)
-Bank of America Visa Signature (Second quarter 2014)
-Product Change (PC) Citi Thank you preferred Visa to Mastercard (Second quarter 2014)

[BearsAndTurtlesRtheBest]

Enjoyed reading your success. Congrats! You will have 9 accts reporting after you close AMEX and CapitalOne. Dont think you will have a difficult time obtaining those credit cards for 2014. 

[mnavas]

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@BearsAndTurtlesRtheBest wrote:

Enjoyed reading your success. Congrats! You will have 9 accts reporting after you close AMEX and CapitalOne. Dont think you will have a difficult time obtaining those credit cards for 2014. 

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Thanks  BearsAndTurtlesRtheBest  I hope you get your own credit cards soon  

[BearsAndTurtlesRtheBest]

thanks! Im awaiting for that day to come.

[ztnjpv]

Nice. Well Done. And you're only 24? even better. Many people your age couldn't be bothered to even look at their credit report. You're set with the profile and knowledge to have strong credit for your whole life,