I’ve been lurking for months on here and I have finally decided to make an account. 
In August I got my first ever credit card and since then I’ve been obsessed with credit cards, loans credits scores, etc. As a 20yr old in college I decided to apply to my first card (Discover IT) and was approved for $1k, I also applied for the Cap 1 journey credit card the next month and was given a $300 CL. Thanks to the user “ClassicMan” I was able to PC my journey cc to the QS using a link that was provided by him.
Can’t wait to further expand my knowledge regarding credit cards and other loans. Much appreciated.
I would post screenshots of the pc but I currently don’t know how. Sorry if this post doesn’t belong in this board.
In August I got my first ever credit card and since then I’ve been obsessed with credit cards, loans credits scores, etc. As a 20yr old in college I decided to apply to my first card (Discover IT) and was approved for $1k, I also applied for the Cap 1 journey credit card the next month and was given a $300 CL. Thanks to the user “ClassicMan” I was able to PC my journey cc to the QS using a link that was provided by him.
Can’t wait to further expand my knowledge regarding credit cards and other loans. Much appreciated.
I would post screenshots of the pc but I currently don’t know how. Sorry if this post doesn’t belong in this board.
@Anonymous wrote:
I’ve been lurking for months on here and I have finally decided to make an account.
In August I got my first ever credit card and since then I’ve been obsessed with credit cards, loans credits scores, etc. As a 20yr old in college I decided to apply to my first card (Discover IT) and was approved for $1k, I also applied for the Cap 1 journey credit card the next month and was given a $300 CL. Thanks to the user “ClassicMan” I was able to PC my journey cc to the QS using a link that was provided by him.
Can’t wait to further expand my knowledge regarding credit cards and other loans. Much appreciated.
I would post screenshots of the pc but I currently don’t know how. Sorry if this post doesn’t belong in this board.
Congrats on the PC! Keep up the good work!
Congrats and welcome!
Manage your cards correctly and don’t buy things you don’t have the money for unless absolutely necessary. I got a credit card when I was about your age, made one late payment, and the interest went up to 29.99% I was fresh out of a school and right for money, so I made minimum payments. After a while realized I was hemorrhaging money and wasn’t paying hardly anything on the principal. It spooked me on credit cards, so I paid it off, closed the card and didn’t get another one for over 20 years. I now know how to play the game.
This forum is great and there are a lot of helpful, knowledgeable people here. I have totally changed my credit profile and put together a really nice arsenal of cards that are paying some serious cash back and SUBs with the help of the fine folks here!
Manage your cards correctly and don’t buy things you don’t have the money for unless absolutely necessary. I got a credit card when I was about your age, made one late payment, and the interest went up to 29.99% I was fresh out of a school and right for money, so I made minimum payments. After a while realized I was hemorrhaging money and wasn’t paying hardly anything on the principal. It spooked me on credit cards, so I paid it off, closed the card and didn’t get another one for over 20 years. I now know how to play the game.
This forum is great and there are a lot of helpful, knowledgeable people here. I have totally changed my credit profile and put together a really nice arsenal of cards that are paying some serious cash back and SUBs with the help of the fine folks here!
@Anonymous wrote:
I’ve been lurking for months on here and I have finally decided to make an account.
In August I got my first ever credit card and since then I’ve been obsessed with credit cards, loans credits scores, etc. As a 20yr old in college I decided to apply to my first card (Discover IT) and was approved for $1k, I also applied for the Cap 1 journey credit card the next month and was given a $300 CL. Thanks to the user “ClassicMan” I was able to PC my journey cc to the QS using a link that was provided by him.
Can’t wait to further expand my knowledge regarding credit cards and other loans. Much appreciated.
I would post screenshots of the pc but I currently don’t know how. Sorry if this post doesn’t belong in this board.
Congrats to you on your PC, glad I was able to help.
Congratulations on your success!
Congrats and welcome! Spend time here and learn a lot. There are so many knowledgable members here that you can learn from. Keep posting and let us know how the journey goes! Cheers!
