@jackhughes wrote:Hey guys!
I started my credit jouney on a AU chase freedom unlimited in July 2023 so now 1yr and 9months old which had a small credit limit of $500 which allowed to me to open my own freedom unlimited in December 2023 which started with 500$ and now has a $1000 from a credit limit increase and I also have a Capital One Quicksilver One card with only a $500 credit limit which i started from $300 and my most recent card is a PayPal Cashback Mastercard with $1,700 which im really happy with but currently has a disputed transaction on due to a company refusing to refund me. I also have a 730 credit score.
The problem is I max out these credit cards literally every month or close to it because the credit limit is way to low and chase and capital one all say I dont qualify for a credit limit increase which to me is ridiculous considering my income and use and the money i hold in both banks seperately.
I feel like i've hit a deadend and kind of stuck in my situation now and looking for some advice what I should do to proceed in my credit journey!!
Another weird side note my own personal chase freedom unlimited has stopped being reported too all major credit bureaus in July last year but the card still works and is in good standing.
Hard pulls:
Equifax: 7 all expire by Decemeber this yearTransunion: 14 same thing expire by decemeber other than 1 due to paypal hard pull
Experian: 6 all expire by December this year too
I think hard pulls are currently ruining my credit too but obviously i was very unexperienced and was applying to the best cards obviously i didnt qualify for
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