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Community Leader
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improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
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Re: Young credit report, want another card. HELP

[ Edited ]

09Lexie wrote:
I started off with a $700 CL last Oct, its at $4k now. I've used it 3 maybe 4 x

It'd be good if you use it every once in a while.  Having higher limits nets you higher limits as your profile grows.  The walmart card is good for getting a free score... growing very fast in limit.. basically every 4 months and it gives you access to another tradeline that lowers your utility if you carry a balance.  

For growing your credit.. it's a good card to start with.

If you decide to app this card.. it's be best if you use it like 09Lexie... at least once every month or 2 then PIF

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

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bobbyburns34
Posts: 42
Registered: ‎05-09-2013
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Re: Young credit report, want another card. HELP

isnt it you can go and pay the balance off in store, correct?

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09Lexie
Posts: 25,964
Registered: ‎09-13-2012
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Re: Young credit report, want another card. HELP

I used mine once for a few groceries, then at Christmas I bought iPhone 5's for the family and finally a blu ray DVD player last month.
Community Leader
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improvingmycredit
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Registered: ‎07-12-2011
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Re: Young credit report, want another card. HELP


bobbyburns34 wrote:

isnt it you can go and pay the balance off in store, correct?


right.. immediately at check out right after you used the card.

buy like $5 worth of something every once in while for usage


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

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09Lexie
Posts: 25,964
Registered: ‎09-13-2012
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Re: Young credit report, want another card. HELP

You can pay online or in the store. Personally, Walmart gives me the hives so I limit my trips. Lol. I hate crowds.
New Member
bobbyburns34
Posts: 42
Registered: ‎05-09-2013
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Re: Young credit report, want another card. HELP

wow, that quick? my mom does shopping there sometimes, maybe i should go with her. shop, use my card then just go and pay it off. same thing as cash LOL except helping my credit

Community Leader
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improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
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Re: Young credit report, want another card. HELP


09Lexie wrote:
You can pay online or in the store. Personally, Walmart gives me the hives so I limit my trips. Lol. I hate crowds.

HAHA!  that's funny!  I only go there late at night...when no one's there but I have a Walmart card.  My limit- 9K


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP


bobbyburns34 wrote:

wow, that quick? my mom does shopping there sometimes, maybe i should go with her. shop, use my card then just go and pay it off. same thing as cash LOL except helping my credit


Right.. that's exactly what I do.  I use it then pay at the register immediately like cash just to keep it active every once in a while.  


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Moderator
09Lexie
Posts: 25,964
Registered: ‎09-13-2012
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Re: Young credit report, want another card. HELP

I'll be asking for $8500 in Sept since I just got an increase last week. Jeez, that means I have to make a trip soon.
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09Lexie
Posts: 25,964
Registered: ‎09-13-2012
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Re: Young credit report, want another card. HELP


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