was it a smart move?

[jsickz32]

ok ill do that. thanks guys for answering all my questions.

[webhopper]

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@jsickz32 wrote:

ok ill do that. thanks guys for answering all my questions.

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No problem!  You're actually doing real good...  Just remember, Never, Ever, ever, Ever Cosign for anyone.  I know you're young, you may have girlfriends, siblings, friends who want to take advantage of your good credit in the future.  Its a bad idea. Dont do it! 

Check out Relationships and Money forum....  You seem like a pretty cautious sort of guy with a good head on your shoulders, I'm just giving you the heads up. 

My scores tanked at age 24 due to a cosigning / AU fiasco with a deadbeat ex husband.  Dont do what I did 

[jsickz32]

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@webhopper wrote:

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@jsickz32 wrote:

ok ill do that. thanks guys for answering all my questions.

---

No problem!  You're actually doing real good...  Just remember, Never, Ever, ever, Ever Cosign for anyone.  I know you're young, you may have girlfriends, siblings, friends who want to take advantage of your good credit in the future.  Its a bad idea. Dont do it! 

Check out Relationships and Money forum....  You seem like a pretty cautious sort of guy with a good head on your shoulders, I'm just giving you the heads up. 

My scores tanked at age 24 due to a cosigning / AU fiasco with a deadbeat ex husband.  Dont do what I did 

---

ohhh i know! my father went bankrupt because of same reason. id never cosign anyone!

[webhopper]

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@jsickz32 wrote:

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@webhopper wrote:

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@jsickz32 wrote:

ok ill do that. thanks guys for answering all my questions.

---

No problem!  You're actually doing real good...  Just remember, Never, Ever, ever, Ever Cosign for anyone.  I know you're young, you may have girlfriends, siblings, friends who want to take advantage of your good credit in the future.  Its a bad idea. Dont do it! 

Check out Relationships and Money forum....  You seem like a pretty cautious sort of guy with a good head on your shoulders, I'm just giving you the heads up. 

My scores tanked at age 24 due to a cosigning / AU fiasco with a deadbeat ex husband.  Dont do what I did 

---

ohhh i know! my father went bankrupt because of same reason. id never cosign anyone!

---

I'm glad you learned from him... unfortunately my parents didn't share any sort of financial teachings....  Although looking back, I probably didn't need to learn from them.

I am actually trying to get everything paid off except the house.  We are almost there...  two cars are paid for, got a little bit left to pay on the third and then I'll start tackling student loans.

[jsickz32]

what you think are my chances of getting approved for the bofa amex after getting approved for all those other cards? bofa has always been awesome with me so i hope they approve me.

[webhopper]

I think your chances are good, but I would not apply for anything else if I were in your shoes... You're actually probably close to maxing out on available credit vs income. 

Wait until your income improves (and if you're in school, wait to get out of school) to apply for anything else.  If you aren't in school, consider going or at least start learning a trade.

[jsickz32]

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@webhopper wrote:

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@jsickz32 wrote:

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@webhopper wrote:

---

@jsickz32 wrote:

ok ill do that. thanks guys for answering all my questions.

---

No problem!  You're actually doing real good...  Just remember, Never, Ever, ever, Ever Cosign for anyone.  I know you're young, you may have girlfriends, siblings, friends who want to take advantage of your good credit in the future.  Its a bad idea. Dont do it! 

Check out Relationships and Money forum....  You seem like a pretty cautious sort of guy with a good head on your shoulders, I'm just giving you the heads up. 

My scores tanked at age 24 due to a cosigning / AU fiasco with a deadbeat ex husband.  Dont do what I did 

---

ohhh i know! my father went bankrupt because of same reason. id never cosign anyone!

---

I'm glad you learned from him... unfortunately my parents didn't share any sort of financial teachings....  Although looking back, I probably didn't need to learn from them.

I am actually trying to get everything paid off except the house.  We are almost there...  two cars are paid for, got a little bit left to pay on the third and then I'll start tackling student loans.

---

yeah he now gets denied for everything. thats something i dont wanna go thru. wow almost 3 cars paid off must feel good. i feel so proud for finishing paying my 9k car lol just can imagine what you must feel

[jsickz32]

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@webhopper wrote:

I think your chances are good, but I would not apply for anything else if I were in your shoes... You're actually probably close to maxing out on available credit vs income. 

Wait until your income improves (and if you're in school, wait to get out of school) to apply for anything else.  If you aren't in school, consider going or at least start learning a trade.

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im working full time right now and have been since 2008. as the oldest son i decided to start working to help my father with his debt so he wouldnt have to bankrupt but....but i am going back to school

[JusdoNit]

Nice cards

[jsickz32]

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@JusdoNit wrote:

Nice cards

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thanks