New - Hi!

[Anonymous]

Hi Everyone,

I decided to join the forum after monitoring it for a few weeks. Everyone seems knowledgeable and supportive - always a valued aspect of any community forum.

I'm pretty young to the credit card scene, seeing as I'm still in college. I haven't yet, but I will soon be pulling my credit scores. I believe I have good credit because I was recently approved for a PenFed Amex card. Apparently they are quite selective?

Either way, looking to gain some wisdom and pass on my observations as well.

Cheers!

[UFGuy2006]

Welcome!

[Anonymous]

Welcome to the forum! I've learned a great deal from reading and participating in these discussions. It's helped to take a lot of the "guess work" out of applying for and managing credit cards. The information that I've gained here has helped me come a long way in a very short time. I hope that you'll find it to be every bit as helpful as you begin your credit life. Congrats on your PenFed!

[Anonymous]

While I have a thread going...

I currently have a student credit card through Northwest Federal Credit Union... The limit is only $1,000 and I find myself often stretching the utilization above 50 percent.

Since I don't carry over any of my credit as I pay it off at the end of the month... Should I look for another card with more perks (student cards have rewards/cashback) and a higher limit?

I will be receiving my PenFed Amex soon but as most everyone knows, Amex isn't accepted everywhere... Suggestions?

[Anonymous]

Hi and Welcome to the Forums

This Forum and the Members here are a BIG part of the reason my scores went from a 583 to 770+ in 14 months (And a LOT of HARD work on my part too)

Ask questions, listen to their advice and always pay your CC's on time, just to mention a few things.........

I wish you the best of Luck!

[Anonymous]

Also, another thing to note...

Pentagon Federal has displayed exceptional customer service. I've called 4 times in the past few days to get some of my questions answered (recently joined as a member) and every single CS agent has been courteous, patient and eager to assist any way possible.

Two thumbs up for PenFed.