My son! Nfcu cpi, cloc cli & 2nd card

bluntco · ‎04-19-2018

19 year old son hit 91 days on cash rewards, did sp cli, 3x limit. Navcheck they bumped up another $2k . Sp
What the heck, he tried for a 2nd card
Approved!! $15k starting limit with 14.24% platinum!
He wants to be smart , we talk about credit all the time. He's been an AU on a few of my cards for 3-4 years. Scores are in high 700s for him. Only other card of his own is Amex Delta Gold... because he wants to take a vacation next year and is learning about SU

simplynoir · ‎04-19-2018

Congrats to your son on that awesome approval and you teaching him the ropes to get there!

Anonymous · ‎04-19-2018

Congrats

CreditCuriosity · ‎04-19-2018

15k is a huge limit for a 19 year old.. Hopefully you teach him to spend only what he can afford to pay in cash as I assume he makes less than that in a year at his age.

bluntco · ‎04-19-2018

@simplynoir!! I'm really trying. It helps that he's seen his sisters struggles with credit and he asks questions!
He's my grasshopper!

bluntco · ‎04-19-2018

His income is $3k a month from his job he's been at since 16.
He only uses cc for gas and food and he PIF. It's a huge limit for anyone. He's been under my credit wing for a few years. Really smart "young man" . Understands a lot and takes it seriously. He wants to buy a condo by the time he's 21! Has more in savings then I do lol 😁

AverageJoesCredit · ‎04-19-2018

Congrats to DS BC

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shoegal · ‎04-19-2018

Congrats to your son, Bluntco! ☺️

kaw943 · ‎04-19-2018

@bluntco wrote:
19 year old son hit 91 days on cash rewards, did sp cli, 3x limit. Navcheck they bumped up another $2k . Sp
What the heck, he tried for a 2nd card
Approved!! $15k starting limit with 14.24% platinum!
He wants to be smart , we talk about credit all the time. He's been an AU on a few of my cards for 3-4 years. Scores are in high 700s for him. Only other card of his own is Amex Delta Gold... because he wants to take a vacation next year and is learning about SU

Awesome!! and congrats to you for teaching and your son for listening and achieving something alot of folks do.

stonedog23 · ‎04-19-2018

Dang, 36K a year for a 19 year old. I would have been the MAN back then if I had that kind of cash as a teen.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years