Hello all. I have been browsing these forumns for some time looking for advice and whatnot so today I joined ad this is my first post.
Anyway, I am a full time student and work part-time making roughly $11,000 a year. I have 3 credit cards, 1 from Bestbuy (1,000 CL) DIscover It (500 CL) and Capital One Quicksilver upgraded from the Journey Student Card (500 CL) and a $7,000 car loan.
As you can see, my credit lines are pathetic except for besbuy. I have a decesnt score of about 660 which will be going up quite a bit when pay off the Bestbuy card with this years tax return.
My problem is that I can NEVER get a credit increase on any card. My scores (for my age 19) are good and have no negative information except for a semi-high utilization rate (which will be zero when my return comes in)
Capital One as expected will probably never give me one. I got one about 8 months ago when my card hit its 6 month age and that was it, never heard from them again.
I have had the discover card for almost a year and still nothing, they will not budge.
Although I make little money, I still find myself spending a lot weekly so I would like a card that could accomidate that spending without being maxed out.
I have heard great things about the Citi Forward for students and the generous CL that they get. Should I wait 3 weeks until my return comes in and then app for it?
Also, what do you guys think about the Bank of America Cahs Rewards Student? Do I have a good shot with them?
AAoA is 10 months with my oldesnt being 1.3 years old.
Sorry for the long first post, I am just so frustrated.
