@elixerin wrote:
as expected, you would think 17 ongoing months of exactly what bureauheads look for would be enough, guess not haha then when you try to show a bit more responsibility you get shut down without question, welp.
IMHO, I think you should slow your roll. You're only 19 for pete's sake. There's is absolutely no reason in this world you need to be accumulating loans and more CCs at this moment in time. They are here today, they will be here tomorrow, next year, and five to 25 years from now. As someone else said, time is on your side. I say, "take advantage of it."
So, I suggest start reading and absorbing all the invaluable and informative posts on this forum to gain more knowledge on how to create a great credit profile. Feel free to ask us a zillion questions if that's what you need to do.
Unfortunately, you have learned the consequences of writing checks when funds aren't available in your account. So make a note to yourself to always pay your CCs on time and to never, ever, ever bounce a check again.
Plan on applying for CCs (bank) a minimum of 6 months apart and always prequalify. There are times where you won't find any prequals but it doesn't necessarily mean you don't qualify for the card. Many get approved that have never gotten a prequalification.
Just remember that all of us were 19 at one time and we didn't have this forum to guide us in the right direction. You're already ahead of the game because you came to the right place for guidance. So again, slow down and remember the tortoise and hare tale--slow and steady wins the race. Time really is on your side.
GL2U
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