cancel
Showing results for 
Search instead for 
Did you mean: 

How did you start and Where did you start?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Regular Contributor

How did you start and Where did you start?

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!

Forward, Zync, Freedom, BofA Cash Rewards

Current Score: 738 BOA Experian (5/29/2012)

GOAL: 800s
Message 1 of 10
9 REPLIES 9
Established Contributor

Re: How did you start and Where did you start?

What's on your Credit Report?

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Message 2 of 10
Valued Contributor

Re: How did you start and Where did you start?


@TheCreditKid 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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Message 3 of 10
Established Contributor

Re: How did you start and Where did you start?

There you go Smiley Happy

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Message 4 of 10
Established Contributor

Re: How did you start and Where did you start?


@bunnyrabbit wrote:

@TheCreditKid 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.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 5 of 10
Valued Contributor

Re: How did you start and Where did you start?


@jefftca925 wrote:

@bunnyrabbit wrote:

@TheCreditKid 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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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.


 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Message 6 of 10
Valued Contributor

Re: How did you start and Where did you start?


@jefftca925 wrote:

@bunnyrabbit wrote:

@TheCreditKid 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.


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

Message 7 of 10
Regular Contributor

Re: How did you start and Where did you start?


@bunnyrabbit wrote:

@TheCreditKid 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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

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


 

Forward, Zync, Freedom, BofA Cash Rewards

Current Score: 738 BOA Experian (5/29/2012)

GOAL: 800s
Message 8 of 10
Frequent Contributor

Re: How did you start and Where did you start?

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.

Message 9 of 10
Valued Contributor

Re: How did you start and Where did you start?


@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 



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

I agree with scientifics ~ keep your CR clean.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.