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Don't lend to anyone at all.
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
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You know somebody's priorities are all ****** when a cousin asks you to co-sign on a $5,000 mattress.
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I put my parents first and above everything. I didn't have much knowledge on credit back then and my parents wanted me to apply for a store credit card for them which I did because they needed it. Till this day that's the only card in my credit profile I dislike cause I don't like store cards, I only have prime cards now. The only upside is that it did help build my credit in terms of history of length and on time payments so I guess I can't complain lol but I'll never add another store card to my credit profile again or even apply or take out loans etc for anyone anymore. I built my credit well and added only specific cards I like and wouldn't wanna ruin it now that I take credit serious and shaped it and got everything under control to my liking.
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Chase only transferred $1200 of my $4800 Discover balance
When I signed up I thought they would transfer the entire Discover balance.
When I signed up I thought they would transfer the entire Discover balance.
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Bruh only person i would co sign is for my pops. Thats it. Everyone else can kick rocks
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Chase only transferred $1200 of my $4800 Discover balance
When I signed up I thought they would transfer the entire Discover balance.
Did they say why ?
antidope
Supporter
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I would do anything for my family. My parents cosigned on my student loans, what do I look like not extending credit to them if they ever needed, and my money is my brothers money.
I refinanced my parents off of my loans though, those things were never their problem.
I refinanced my parents off of my loans though, those things were never their problem.
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Got declined. What are my next steps just wait it out or try to get a card with my bank? Or call and see if they can do something about it?
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Get on credit karma. See what are your odds on the card that are on their with your score. If you have bad to no credit, go with a secured card like capital one.
I had no credit and got denied multiple times before i got accepted by capital one. Gotta start somewhere. Now im at a 780
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Someone stole my cc info. :x I have no idea how they did it since I haven't used it in a month.
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You don't have to use it for somebody to get a hold of it. RFID scanners can be used. If you pass within a couple feet of one they can get your info.
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Cosigning for my parents and brothers has actually helped me out with my history but I wouldnt do it for anyone random ever
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This happens every 3-6 months for me, CC companies are good at catching it now. an annoyance for sure.
hot route
Banned
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Can you explain this?
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Yo question for everoyne, Ive had the same cc for the last 5 years with a low limit of 500. Ive never paid a dime in interest and was looking to up my loan amount to about 2500.
I called my Credit Union today only to find out that my card is discountinued and for me to do anything I would have to close out my old one.Now I am thinking of buying a home in the next 6-24 months and am curious to know how a move like this could help/ hurt my credit score and histroy.
Can anyone chime in and help a brotha out?
I called my Credit Union today only to find out that my card is discountinued and for me to do anything I would have to close out my old one.Now I am thinking of buying a home in the next 6-24 months and am curious to know how a move like this could help/ hurt my credit score and histroy.
Can anyone chime in and help a brotha out?
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Dont they usually "upgrade" the card? So your join date would be the same if that were the case
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Don't close it out. That will drop your score cause your average age of accounts will drop. If you're thinking of buying a home in a year or more then just apply for a new card. Inquiries don't affect your score after a year I think. But they stay on your report for 2
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Feel like I've been stuck at 740 for the past year. I've been carrying a 5k balance on one cc this past 2 years. But I'm about to pay it off in the next 2-3 months. That should bring the score up, right?
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You would think so, but they havent even upped my limit or offered to do so
Thanks I was thinking this but wasn't sure if this would be a better option. Thanks a lot repped
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Suprised you still have a 740 with a 5k balance. You must have a really high limit on that card.
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You want to be
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I feel like there's no magic formula.
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There really isnt but you can try and work it in your favor. Just dont stress over it
