HELP! 21 year old trying to get credit cards!

[vwawiorko]

I wish I had someone walking me through everything about credit. My moms only income was from Social Security disability so she could not really teach me a lot about applying and the importance of credit. 

And the reason I started applying so late was because I was working for cash so my income wasnt really there until last year of September.

But thank you all for the advice.

[Shelly313]

Well your learning now, you know more than I did at 21, and I'm sure I am no the only one.  Good luck with you journey!

[heyarrnold]

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@vwawiorko wrote:

I wish I had someone walking me through everything about credit. My moms only income was from Social Security disability so she could not really teach me a lot about applying and the importance of credit. 

And the reason I started applying so late was because I was working for cash so my income wasnt really there until last year of September.

But thank you all for the advice.

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But you're learning now, and that's the most important thing! If you have any other questions, feel free to post again. That's what the community is here for

[vwawiorko]

Thank you shelly313! It means a lot!

[vwawiorko]

And thanks heyarnold! (:

[heyitsyeh]

My credit lines/limits didn't really take off until I started working last year...and that's how I would have wanted it. At age 21 I had two tradelines (Chase Freedom and Discover), with a combined total of $3050 in limit; this was plenty.