topic Re: How did you start and Where did you start? in Credit Cards

How did you start and Where did you start?

Tg123 — Sun, 12 Jun 2011 06:39:39 GMT

Hey everyone i am a student and I am researching different card offers for myself to pursue as a second card. I would like a cashback card or a travel rewards card. I dont like points. I have been looking into the AA card for a couple months and look to have it one day since they offer 75,000 miles if you spend enough in 4 months. I have spoken with a couple users who have told me they applied about 3 months after first credit card. I have also spoken to others who believe the 6 month mark is necessary to avoid a ding on the credit report. Just looking for some insight and some credit talk.

Thanks!

Re: How did you start and Where did you start?

Anonymous — Sun, 12 Jun 2011 06:42:02 GMT

What's on your Credit Report?

Re: How did you start and Where did you start?

Anonymous — Sun, 12 Jun 2011 07:13:50 GMT

@Anonymous wrote:
What's on your Credit Report?

OP, something like this

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR

Buddies (if any)	Date	Amount

Score	Util %	AAoA

Re: How did you start and Where did you start?

Anonymous — Sun, 12 Jun 2011 07:16:49 GMT

There you go

Re: How did you start and Where did you start?

jefftca925 — Sun, 12 Jun 2011 14:39:56 GMT

@Anonymous wrote:
@Anonymous wrote:
What's on your Credit Report?
OP, something like this

CC / Loan
Date Opened
CL
Balance
AF (if any)
APR

Buddies (if any)
Date
Amount

Score
Util %
AAoA

You mean "Baddies", right? LOL!! The other would be irrelevant...

OP, if you are looking to add an AA card to your portfolio I would definitely have more history on your report. The airline cards typically require higher scores and more established credit history. Cap 1 might be a start for a cash back card or even BofA.

Re: How did you start and Where did you start?

Anonymous — Sun, 12 Jun 2011 18:10:33 GMT

@jefftca925 wrote:
@Anonymous wrote:
@Anonymous wrote:
What's on your Credit Report?
OP, something like this

CC / Loan
Date Opened
CL
Balance
AF (if any)
APR

Baddies (if any)
Date
Amount

Score
Util %
AAoA

You mean "Baddies", right? LOL!! The other would be irrelevant... Thanks jeff

OP, if you are looking to add an AA card to your portfolio I would definitely have more history on your report. The airline cards typically require higher scores and more established credit history. Cap 1 might be a start for a cash back card or even BofA.

Re: How did you start and Where did you start?

Anonymous — Mon, 13 Jun 2011 04:44:51 GMT

@jefftca925 wrote:
@Anonymous wrote:
@Anonymous wrote:
What's on your Credit Report?
OP, something like this

CC / Loan
Date Opened
CL
Balance
AF (if any)
APR

Buddies (if any)
Date
Amount

Score
Util %
AAoA

You mean "Baddies", right? LOL!! The other would be irrelevant...

OP, if you are looking to add an AA card to your portfolio I would definitely have more history on your report. The airline cards typically require higher scores and more established credit history. Cap 1 might be a start for a cash back card or even BofA.

I know it's a typo...sorry, bunnyrabbit....but it's still funny, if you're as perverted as I am with the humor!

Re: How did you start and Where did you start?

Tg123 — Tue, 14 Jun 2011 18:25:49 GMT

@Anonymous wrote:
@Anonymous wrote:
What's on your Credit Report?
OP, something like this

CC / Loan
Date Opened
CL
Balance
AF (if any)
APR

Buddies (if any)
Date
Amount

Score
Util %
AAoA

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR
Student	08/10	3500	Deferred
Citi mtvU	05/11	800	PIF	none	20.99 after 0% introductory period

So far this is all i have reporting on my credit report. I am looking into getting a card around november or december and increasing my cl with citi. I am looking into discover, bofa, or possibly chase (i heard that they can be tough).

Just looking to gather information and any advice is appreciated

Re: How did you start and Where did you start?

Anonymous — Tue, 14 Jun 2011 19:12:59 GMT

I would wait at least a year before you try to get another card, especially if you want a prime cashback card. Make sure you PIF every month, and try to get a CLI (as long as it is a soft pull) in 6 months.

Re: How did you start and Where did you start?

Anonymous — Tue, 14 Jun 2011 20:19:34 GMT

@Tg123 wrote:

CC / Loan
Date Opened
CL
Balance
AF (if any)
APR
Student
08/10
3500
Deferred

Citi mtvU
05/11
800
PIF
none
20.99 after 0% introductory period

So far this is all i have reporting on my credit report. I am looking into getting a card around november or december and increasing my cl with citi. I am looking into discover, bofa, or possibly chase (i heard that they can be tough).

Just looking to gather information and any advice is appreciated

It's very good to plan in ahead. Do you know your credit score is?

I agree with scientifics ~ keep your CR clean.