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I'm at a 650 because of a few things I need to pay off but I should hopefully be pushing 700s by June
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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Yo, with the discover double cash back, do you also get all the referral $ you earn throughout the year doubled on your 13th statement? If so 
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Yo, with the discover double cash back, do you also get all the referral $ you earn throughout the year doubled on your 13th statement? If so
I don't think so.
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Double cashback is for purchases not referrals .
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Thinking about getting that new Chase Freedom Unlimited card, just came out yesterday. Great to pair with existing UR cards. Citi DC still is better if you're just using it for cash back and don't pair the Freedom Unlimited with other UR cards, but the Freedom card is sooo nice.
Some credit news...
Costco now accepting all Visa cards starting 6/19/16
https://customerservice.costco.com/...200500000032922/CitiVisa-Co-brand-Credit-Card
Some credit news...
Costco now accepting all Visa cards starting 6/19/16
https://customerservice.costco.com/...200500000032922/CitiVisa-Co-brand-Credit-Card
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I just got my tax lien removed early from my experian report. I wonder how many points my score will go up. It's been paid since 2012 and it was suppose to come off in October.
This site is awesomeeee.
http://www.consumerfinance.gov
This site is awesomeeee.
http://www.consumerfinance.gov
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Does anyone know the name of the that compares credit cards & basically gives you the average credit scores that get approved for each card? Trying to pick up a second card & can't remember it.
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should i chill on applying for cards if I have 2 recent inquiries in my history?
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How many cards do you have now? And what were these 2 inquiries from?
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2 cards right now. one inquiry has to be from the recent freedom card I opened and the other...not too sure. i saw this information via this online feature capital one provides where they give you a credit score (not fico) and some other info.
the score they spit out is way worse than I thought it'd be. also, in the "past due accounts" or w.e field, they had me down as zero, but I know I still have a verizon account in collections still weighing me down, so the information that tool provides isn't the most accurate.
actually, whats the easiest/best way I can do a free credit report right now? creditkarma?
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2 inquiries is nothing, 5-8+ is what you want to worry about.
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Agreed 2-3 even 4 won't hurt you in a short span.
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I have 10 inquiries in the last 2 years. Once you build relationships with banks with your previous cards you shouldn't have any issues. You might have to call the reconsideration line to get approved. I have 17 credit cards at the moment. My scores orange from 700-732 and I pay all my cards in full every month.
Here's a good article about applying for credit cards.
http://thepointsguy.com/2015/02/how-do-i-figure-out-a-good-credit-card-application-strategy/
Here's a good article about applying for credit cards.
http://thepointsguy.com/2015/02/how-do-i-figure-out-a-good-credit-card-application-strategy/
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I think I'm at 9 or 10, I still have no issues getting approved. Mortgage shopping, car loan & refi shopping did serious damage to my inquiries lol.
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I applied for the Amex business gold and Marriott card last week on the same day. Amex instantly approved me. Chase gave me a pending decision which i've gotten a few times recently. I called the reconsideration line and chick was bringing up stuff from 2005. I told her I was 18-19 and being stupid with my credit. She then declined me for having too many inquiries. I called a few hours later. I told dude I thought she was being unfair. I take really good care of my credit,dont carry a balance on my cards, etc. I ended up having to move credit from another card but got approved.
I just received an offer for a 50K sign up bonus for the gold Delta Amex and I also want the SPG business card.
EDIT: gregzzy, I dont know what card(s) you plan on applying for but get familiar with their rules. The article is a little dated. Chase started implementing a 5 applications every 2 years rule.
http://thepointsguy.com/2015/10/credit-card-application-restrictions/
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al audi
Banned
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Damn this thread is LIVE
800 club all over, I wonder how many ppl on NT copp Jordans and have sub prime credit score........
I found this in a Google search, my main credit card that's due on the 20th I always make sure it's under 20% utilization. My smaller one I just pay it off before due date.
I don't even know my score right now, an I'm working on a lot of things but I will check in 45 days already started counting. This time last year I had a 740ish FICO score range. That not bad for getting good rates?
750+ gets you the best rates correct, and is there even a difference between 750 and 800 for getting loans?
800 club all over, I wonder how many ppl on NT copp Jordans and have sub prime credit score........
I found this in a Google search, my main credit card that's due on the 20th I always make sure it's under 20% utilization. My smaller one I just pay it off before due date.
I don't even know my score right now, an I'm working on a lot of things but I will check in 45 days already started counting. This time last year I had a 740ish FICO score range. That not bad for getting good rates?
750+ gets you the best rates correct, and is there even a difference between 750 and 800 for getting loans?
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You get one free 3-bureau credit report a year at annualcreditreport.com and it will be a lot more detailed than creditkarma
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Deciding on a travel/hotel card soon. Applied recently for the citi prestige and was denied due to lack of credit history (only 3 years or so going on 4). Thinking about getting the discover it miles card but I already have a discover it card. The only other one I have is a wells fargo cc but it sucks since the reward points expire every quarter or so and I need a certain amount to redeem.
I would like the chase sapphire or the spg card but I feel like I'll get denied for the same reason. My fico varies from 760-780 depending on my usage so I think I'm good on that part but I'm not sure if chase uses fico. I don't spend that much but when I do it's mostly for my trips so anything that multiplies points for travel, rental cars, and hotels would be nice.
I would like the chase sapphire or the spg card but I feel like I'll get denied for the same reason. My fico varies from 760-780 depending on my usage so I think I'm good on that part but I'm not sure if chase uses fico. I don't spend that much but when I do it's mostly for my trips so anything that multiplies points for travel, rental cars, and hotels would be nice.
antidope
Supporter
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Question, if I was named as an authorized user on someone's card does that in turn add whatever his limit and balances are to my credit report?
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Why do you need so many credit cards ?
Your CScore updates monthly or whenever your CCard company sends your monthly statement.
Also, I would try to keep the utilization under 10%. 20% isn't far from 30% which is when you're in the red zone.
I check my score every 3 months depending on the situation.
I had a 805 CScore last year April but I've taken a couple loans out to finish school and my score now is 773.
There's no real difference between the two scores.
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You shouldn't have a problem getting the chase sapphire preferred. Marriott bought SPG last year. SPG will probably be done after this year, unfortunately.
Sign up bonuses and perks. A lot of cards waive the fee the first year so it doesn't cost me anything. I keep track when annual fees are due and if it isn't worth keeping, I cancel it.
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@Anti- credit karma says they treat authorized users like your own
https://www.creditkarma.com/article/how-being-an-authorized-user-affects-credit
https://www.creditkarma.com/article/how-being-an-authorized-user-affects-credit
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Fuuu I forgot to pay my Cc bill on time 
