How did you start and Where did you start?

[Tg123]

Hey everyone i am a student and I am researching different card offers for myself to pursue as a second card. I would like a cashback card or a travel rewards card. I dont like points. I have been looking into the AA card for a couple months and look to have it one day since they offer 75,000 miles if you spend enough in 4 months. I have spoken with a couple users who have told me they applied about 3 months after first credit card. I have also spoken to others who believe the 6 month mark is necessary to avoid a ding on the credit report. Just looking for some insight and some credit talk. 

Thanks!

[Anonymous]

What's on your Credit Report?

[Anonymous]

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@Anonymous wrote:

What's on your Credit Report?

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OP, something like this

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR

Buddies (if any)	Date	Amount

Score	Util %	AAoA

[Anonymous]

There you go

[jefftca925]

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@Anonymous wrote:

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@Anonymous wrote:

What's on your Credit Report?

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OP, something like this

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR

Buddies (if any)	Date	Amount

Score	Util %	AAoA

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You mean "Baddies", right?  LOL!!  The other would be irrelevant...

OP, if you are looking to add an AA card to your portfolio I would definitely have more history on your report.  The airline cards typically require higher scores and more established credit history.  Cap 1 might be a start for a cash back card or even BofA.

[Anonymous]

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@jefftca925 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

What's on your Credit Report?

---

OP, something like this

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR

Baddies (if any)	Date	Amount

Score	Util %	AAoA

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You mean "Baddies", right?  LOL!!  The other would be irrelevant...    Thanks jeff

OP, if you are looking to add an AA card to your portfolio I would definitely have more history on your report.  The airline cards typically require higher scores and more established credit history.  Cap 1 might be a start for a cash back card or even BofA.

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[Anonymous]

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@jefftca925 wrote:

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@Anonymous wrote:

---

@Anonymous wrote:

What's on your Credit Report?

---

OP, something like this

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR

Buddies (if any)	Date	Amount

Score	Util %	AAoA

---

You mean "Baddies", right?  LOL!!  The other would be irrelevant...

OP, if you are looking to add an AA card to your portfolio I would definitely have more history on your report.  The airline cards typically require higher scores and more established credit history.  Cap 1 might be a start for a cash back card or even BofA.

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I know it's a typo...sorry, bunnyrabbit....but it's still funny, if you're as perverted as I am with the humor!

[Tg123]

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@Anonymous wrote:

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@Anonymous wrote:

What's on your Credit Report?

---

OP, something like this

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR

Buddies (if any)	Date	Amount

Score	Util %	AAoA

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CC / Loan	Date Opened	CL	Balance	AF (if any)	APR
Student	08/10	3500	Deferred
Citi mtvU	05/11	800	PIF	none	20.99 after 0% introductory period

So far this is all i have reporting on my credit report. I am looking into getting a card around november or december and increasing my cl with citi. I am looking into discover, bofa, or possibly chase (i heard that they can be tough). 

Just looking to gather information and any advice is appreciated

[Anonymous]

I would wait at least a year before you try to get another card, especially if you want a prime cashback card. Make sure you PIF every month, and try to get a CLI (as long as it is a soft pull) in 6 months.

[Anonymous]

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@Tg123 wrote:

CC / Loan	Date Opened	CL	Balance	AF (if any)	APR
Student	08/10	3500	Deferred
Citi mtvU	05/11	800	PIF	none	20.99 after 0% introductory period

So far this is all i have reporting on my credit report. I am looking into getting a card around november or december and increasing my cl with citi. I am looking into discover, bofa, or possibly chase (i heard that they can be tough). 

Just looking to gather information and any advice is appreciated 

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It's very good to plan in ahead.    Do you know your credit score is?

I agree with scientifics ~ keep your CR clean.