My Jewelers Club

[AllZero]

Excellent advice from above.

If building credit, consider a lender that has more products to offer as your son's credit profile improves. Example: secured / unsecured, low APR, cash back, travel cards, soft pull CLI Credit Limit Increases, checking and savings account, etc.

Utilization padding is great but if the fee outweighs the benefits, then perhaps re-evaluating the product is in order.

Lots of secured card options out there. I'll include Bank Of America, CITI, local credit union or the major ones such as Navy Federal Credit Union if eligible.

[tricie17]

Yes I did.  The credit line helps a lot.  Everyones situation is different and there are many opinions on credit style.  Do you.  And make sure it is a good decision for your credit build.  Keep reading for this board is full of great information.

[Anonymous]

Depends on what you need it for. If you're rebuilding I'd suggest against but if your utilization is high and you need an instant boost I feel it's the best

[Anonymous]

TY for asking because it's been recommended. I felt it was kinda pricey. But I might want the possible points it'll give me. 🙏🏻

[Anonymous]

Thanks for outlining why you like it. I appreciate that. 

Secondarily, $100 is 2.5x my AF elsewhere. Plus, I'm looking to segue to No AF cards. I'm just citing that for the breadcrumb trail. 

The additional credit in my total profile could make it worth it for 11.75 months. 🙏🏻

[Anonymous]

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@tricie17 wrote:

Yes I did.  The credit line helps a lot.  Everyones situation is different and there are many opinions on credit style.  Do you.  And make sure it is a good decision for your credit build.  Keep reading for this board is full of great information.

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Do you recall about how many additional points it conferred when you added it, please? 🙏🏻

[FinStar]

Before anyone takes the plunge with AGJ, it would behoove to read the recent information posted here:

https://ficoforums.myfico.com/t5/General-Credit-Topics/AG-Jewelers-scammed-me-Is-there-a-way-to-reve...

https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Jewelers-Club-getting-dropped-from-TU/td-p...