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Hello everyone! Quick question..

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Anonymous
Not applicable

Re: Hello everyone! Quick question..


@Chaselover wrote:
Dont waste HPs applying for "no use/garbage" cards like First Premier and Credit one.

+1

Message 21 of 26
chalupaman
Super Contributor

Re: Hello everyone! Quick question..

When I was starting out, Citi really gave me a chance when Discover and others wouldn't. You could look into getting one of their student cards. The good thing about Citi is that sometimes they even offer a SP CLI option if you wanna increase your limit. Discover It for students and CapOne Journey are also worthy choices.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 22 of 26
Anonymous
Not applicable

Re: Hello everyone! Quick question..

This is all very helpful. I am glad I found this board, everyone on here knows there stuff. I hear stories about people messing up there credit when they were young. I don't want to make that mistake! thats why I'm asking for any advice anyone can give me, I really apperciate it!

Message 23 of 26
elim
Senior Contributor

Re: Hello everyone! Quick question..


@Anonymous wrote:

This is all very helpful. I am glad I found this board, everyone on here knows there stuff. I hear stories about people messing up there credit when they were young. I don't want to make that mistake! thats why I'm asking for any advice anyone can give me, I really apperciate it!


 

read.gif  read everything you can here and check in often. worked for me.

Message 24 of 26
Anonymous
Not applicable

Re: Hello everyone! Quick question..


@Anonymous wrote:

This is all very helpful. I am glad I found this board, everyone on here knows there stuff. I hear stories about people messing up there credit when they were young. I don't want to make that mistake! thats why I'm asking for any advice anyone can give me, I really apperciate it!


Very good Smiley Happy

Message 25 of 26
Anonymous
Not applicable

Re: Hello everyone! Quick question..

I recommend getting in with a local Credit Union-they will be more generous with credit lines and more receptive to working with you. I work in the financial industry and prior to that was a small business owner so I have experience with all of the big banks and I have never been treated as well as by my credit union. Best choice I ever made. Good luck in your credit journey. 

Message 26 of 26
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