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Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: when should I apply for freedom? Update... I applied

F*** yeah! I'm totally stoked for you! What limit did you get if you don't mine my asking?!?
WOW! So glad this forum is here!!!!!!

Just remember that the person you spoke with to get you approved deemed you creditworthy!
Some tips:
1. AlWAYS stay under 30% util., but try to stay less than 10%.
2. ALWAYS PAY ON TIME!
3. GROW your credit lines.
4. MINIMIZE interest cost if you carry a balance... Don't forget to throw yout creditors a couple of bucks in interest to keep 'em happy; credit is a mutually beneficial business transaction afterall.
5. And whatever else you wanna add in there!!!

Building my credit is fun, and it's a great way to improve my life and future prospects!

:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: when should I apply for freedom? Update... I applied

congrats man. 

breed them well. 

 

look at your pms jc! just a little tip. 

and as for salary. does that mean your am for manager? or do you mean salary as your gross income? 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012

Re: when should I apply for freedom? Update... I applied


youngandcreditwrthy wrote:
F*** yeah! I'm totally stoked for you! What limit did you get if you don't mine my asking?!?
WOW! So glad this forum is here!!!!!!

Just remember that the person you spoke with to get you approved deemed you creditworthy!
Some tips:
1. AlWAYS stay under 30% util., but try to stay less than 10%.
2. ALWAYS PAY ON TIME!
3. GROW your credit lines.
4. MINIMIZE interest cost if you carry a balance... Don't forget to throw yout creditors a couple of bucks in interest to keep 'em happy; credit is a mutually beneficial business transaction afterall.
5. And whatever else you wanna add in there!!!

Building my credit is fun, and it's a great way to improve my life and future prospects!

:-)

thanks man! I was pumped! I was just glad to get into a prime card that can grow and I don't have to worry about upgrading or AFs   It's a nice feeling. 

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
jamesdwi
Posts: 1,390
Registered: ‎09-16-2011

Re: when should I apply for freedom? Update... I applied

Congrats, glad you got the card you wanted. 

 

 


Wallet: FNBO DISC 11.9k Oregon Duck 5k, Chase CSP 10k, Freedom 3.3k & AMTRAK 4.6k & Slate 3.3k , AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Walmart 4.5k
Sockdrawer: Paypal Extras MC 6k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club Discover 10k, Citi HHonors Gold 6k, Discover IT 6.5k and a nice stack of store cards.
Last APP 12/21//2013 no plans for new credit I think I have enough.
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012

Re: when should I apply for freedom? Update... I applied


creditnocash wrote:

congrats man. 

breed them well. 

 

look at your pms jc! just a little tip. 

and as for salary. does that mean your am for manager? or do you mean salary as your gross income? 


thanks for pm man, I'll try that. I actually went to another bank for a financial consultant job. 

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: when should I apply for freedom? Update... I applied

WTG jcstarkey. See, you took control and it worked! Congrats!!!!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: when should I apply for freedom? Update... I applied

Yw!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k

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