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New Member
Posts: 9
Registered: ‎07-24-2007
0

I RECIEVED MY FIRST CREDIT CARD

[ Edited ]
IM NEW TO ALL THIS BUT TODAY I RECIEVED MY FIRST CREDIT CARD FROM CITIBANK
WITH A CREDIT LIMIT OF 2500.00 ,
 
I WANT TO BUY A HOUISE WEN I HIT 25 YRS I AM NOW 20 WHAT CAN I DO TO GET A GOOD CREDIT SCORE, I DID NOT CHECK OUT MY SCORES YET
 


Message Edited by wallet on 07-24-2007 08:20 PM
Moderator Emeritus
Posts: 16,378
Registered: ‎03-12-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

Congrats on your new CC, nice CL for a new CC too! If you haven't read the credit scoring 101 thread, I recommend you do. Come back with all of your questions.
 
 
 
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
New Member
Posts: 9
Registered: ‎07-24-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

I JUST PULLED MYFICO SCORE WITH EQUIFAX MY FICO SCORE IS 785 WITH
NO ACCOUNTS OPENED
NO CLOSED ACCOUNTS
NO PUBLIC RECORDS
JUST ONE INQUIRY FROM CITIBANK
 
I DIDNT WANT TO GET CREDIT CARD CUASE MY PERANTS HAVE GOTTEN THEMSELF IN TROUBLE MANY TIMES WITH THEM
 
BUT I WAS TOLD I NEED SOME SORT OF CREDIT TO SHOW THAT I PAY ON TIME SO I APPLIED IT WHEN CITIBANK WAS AT MY CAMPUS, DIDNT EXPECTED TO GET ONE
SO SHOULD I APPLY FOR MORE CARDS TO GET BETTER USAGE OF CREDIT?
 
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

[ Edited ]
RE: I JUST PULLED MYFICO SCORE WITH EQUIFAX MY FICO SCORE IS 785

Huh? 785 is above the best 760+. You can buy a house right now? It takes years to get a score that high unless someone really knows how to add extra slices to the pizza pie. Never seen it with 1 account brand new. Probably a typo. I would get 2 or 3 more cards. It will build credit trade lines faster. Congrats on your first card!

Message Edited by ilovepizza on 07-24-2007 09:15 PM
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Regular Contributor
Posts: 131
Registered: ‎07-05-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

Hey Wallet,
 
It sounds like you're doing just fine...especially only being 20 years old. Be sure and use your credit wisely.
 
And p.s. Try typing without all caps...It's a little hard to read...
Moderator Emeritus
Posts: 16,378
Registered: ‎03-12-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD



wallet wrote:
I JUST PULLED MYFICO SCORE WITH EQUIFAX MY FICO SCORE IS 785 WITH
NO ACCOUNTS OPENED
NO CLOSED ACCOUNTS
NO PUBLIC RECORDS
JUST ONE INQUIRY FROM CITIBANK
 
I DIDNT WANT TO GET CREDIT CARD CUASE MY PERANTS HAVE GOTTEN THEMSELF IN TROUBLE MANY TIMES WITH THEM
 
BUT I WAS TOLD I NEED SOME SORT OF CREDIT TO SHOW THAT I PAY ON TIME SO I APPLIED IT WHEN CITIBANK WAS AT MY CAMPUS, DIDNT EXPECTED TO GET ONE
SO SHOULD I APPLY FOR MORE CARDS TO GET BETTER USAGE OF CREDIT?
 


You have an EQ FICO score of 785 with no accounts open? ZERO accounts? When did you apply for this CITI card. Figures they pulled EQ, they seem to do that a lot. Also, which card did you get?
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
New Member
Posts: 9
Registered: ‎07-24-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

Thank you
 
Wish i could by a house, but i am in college now need 2 more years for my degree,
all money that i make is paying my tuition, yes no student loans to pay
i work for a construction company make good money , i do great finish carpentry
 
And i will by a house a fixeruper to save money fix it myself
 
i seen my perants go thru rough times, paying bills after bills, i learned from there mistakes
 
i do not know how i got that score it is my first credit card, i jst used it for myfico, i will put it away
maybe in my uderwear drawer or under my matress
 
or maybe use it for a great night out.
 
 
just joking
 
i used only 3 caps okies Smiley Happy
New Member
Posts: 9
Registered: ‎07-24-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

citi plat select for college students
applied back in june
do not know how or why i got that score
beginers luck i guess
but i do not want to get in trouble like my perants in dept ( now they do not own cc anymore they paid all they worked hard to pay) they always told me paying intrest is a waste of money
they tell me buy a 2 family house, were rent helps pay half the morgate at the begining, then after 10 years it will pay it all, do it young
 
lol sorry for that preaching
 
 
Moderator Emeritus
Posts: 16,378
Registered: ‎03-12-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD



wallet wrote:
Thank you
 
Wish i could by a house, but i am in college now need 2 more years for my degree,
all money that i make is paying my tuition, yes no student loans to pay
i work for a construction company make good money , i do great finish carpentry
 
And i will by a house a fixeruper to save money fix it myself
 
i seen my perants go thru rough times, paying bills after bills, i learned from there mistakes
 
i do not know how i got that score it is my first credit card, i jst used it for myfico, i will put it away
maybe in my uderwear drawer or under my matress
 
or maybe use it for a great night out.
 
 
just joking
 
i used only 3 caps okies Smiley Happy


It's refreshing to see young folks such as yourself taking an interest in personal finance and learning to use credit responsibly. Tell your college friends to come here, we would love to help them out especially with student loan questions and responsible CC usage. Maybe I can share a war story or two about my college days at UT (university of Texas). GL to you!
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
New Member
Posts: 9
Registered: ‎07-24-2007
0

Re: I RECIEVED MY FIRST CREDIT CARD

I go to city college in nyc
I lot of the students get student loans and there perants pay there tuition
then they blow it
they dont know they have to pay it back
i do not understand them
im no prude i like to have fun but i do within my means
cuase im not ganna pay intrest on a trip to florida for the next ten years
 
 

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