SmorgasBoard

[tylaw13]

I have always wondered how many people there are on this forum around my age? i know some people mention it but i dont really pay attention so i would like to know who is, lets say 23 or younger, and what are your goals at this point in your life? I think the younger you are with good goals, the better you will be later on in life. I'll start it off.

Im 20 years old, started building my credit at age 18. I have 2 cap 1 cards, a Chase Freedom and an AMEX BCE, along with a 48 month auto loan for my used 2006 G35 at 1.98%.

Income : 41k

My goals include, buying a home for myself by the time im 21 and getting a Chase Saphire Preffered. Once i get the CSP im done getting cards.

So now lets hear what you guys have to say!  

[LSP10is]

If you're 20 years old and you've had a credit history since 18 years old, I think you can get approved for Sapphire Preferred. I just got a confirmation for CSP approval emailed to me. I'm 19, have student loans, and my credit scores are almost similar to yours. 

GOAL: Buying a home before age 25 and maybe an Amex Black Card or JP Morgan Pallidium x.x before my life is over lol...*cough*

[tylaw13]

---

LSP10is wrote:

If you're 20 years old and you've had a credit history since 18 years old, I think you can get approved for Sapphire Preferred. I just got a confirmation for CSP approval emailed to me. I'm 19, have student loans, and my credit scores are almost similar to yours. 

GOAL: Buying a home before age 25 and maybe an Amex Black Card or JP Morgan Pallidium x.x before my life is over lol...*cough*

---

Well i dont have any cards with 5k limits and thats what they like to see so ill hold off on that so i dont waist an HP. Once i get my 61 day 3X CLI from amex ill be good to go for the CSP.

p.s. is it bad i only want it cause its made of metal? hahah

[7PM789]

I'm 23 and my goal is to buy a house with a decent amount of land (20+acres) within the next 5 years.

[Tran92]

Are you still going to school? And what line of work do you do to be making 41k as a 20 years old. I'm impressed since I'm almost 20 and no way close to your credit score or income lol. Well I hope as soon as I graduate to find a job and get my own house. That's the plan! Also to be near the mid-high 700s

[andre181]

23 here. Currently finishing my last year of grad school.

[jsickz32]

21 here

[CruzImperial]

I'm 20 as well. Short term goal is to get Amex x3CLI. Mid term goal would be to graduate and get a better income.

[jsucool76]

19 here. Started building a couple months ago when I was 18.

I just want a good score so in the future i can get good rates on auto loans and mortgages.

[roxy382]

21. Would like to buy a home soon. I am married with two kids of my own and one step daughter that lives with me. I'm still a student (pre-law) but if everything goes as planned I will graduate from law school in May 2017! Besides the student loans the drop my aaoa every fall I should have built my credit up pretty well by then.