FukYaFeelings
Superstar
Running my cards up was definitely cuz I was just fired from a job and I already live pay checc to pay checc
Brehs with 700+ credit..
- Thread starter FukYaFeelings
- Start date
NZA
LOL
i am at 793. paid off student loan and auto loan. having major loans like that paid off is probably what jumps people into the high 700s. i never allow my amex to charge me interest since i pay the full bill every month. just use credit and make your payments perfectly every time. you will get there in time. keep percentage of credit use low - you can do that by getting more credit cards and just doing small purchases on them to keep the cards from getting canceled.
FukYaFeelings
Superstar
Hoshi_Toshi
Superstar
Do NOT get a credit one card. They will fukk you.
FukYaFeelings
Superstar
I’m not bruh. I just opened some a card offer from dem in da mail. Talmbout a $2500 limit. I could use $2500 but ion need it dat bad
Buy little bullshyt you have to buy anyway like gas and groceries on a card, put any and all cash back on the balance, PAY IT OFF EVERY MONTH AND NEVER RUN A BALANCE.
NEVER USE THE CARD FOR ANYTHING YOU CAN'T AFFORD UNLESS IT IS AN ABSOLUTE EMERGENCY
Your score will increase itself over time. To speed it up, have one or two more cards and/or an auto loan and do the same and never miss a payment. Some credit bureaus will let you put utility bills on there so if you pay those on time that will improve your score. I use Experian's Boost program for that.
NEVER USE THE CARD FOR ANYTHING YOU CAN'T AFFORD UNLESS IT IS AN ABSOLUTE EMERGENCY
Your score will increase itself over time. To speed it up, have one or two more cards and/or an auto loan and do the same and never miss a payment. Some credit bureaus will let you put utility bills on there so if you pay those on time that will improve your score. I use Experian's Boost program for that.
lol yep, trying to keep all card users enslaved even if it’s just a lil bit smh
DeuceZ
Li pitit gason
I'll also add when working save for an emergency fund ( 3 to 6 months of expenses). That way when have an emergency / lose your job you're not just running up your cc balances
for more advanced users:
I got a specific card for specific things for rewards and cash back.. but I can't seem to find a connect for that 6% cash back on gas.. unless it doesn't exist anymore.. Penfield I think it was..
I got a specific card for specific things for rewards and cash back.. but I can't seem to find a connect for that 6% cash back on gas.. unless it doesn't exist anymore.. Penfield I think it was..
FukYaFeelings
Superstar
Capital one keeps denying my increases. But I haven’t used them in like 3-4 months and just let it sit with a $0 balance.. I just put my reoccurring subscriptions on them to make the cards more active
Capital One is very conservative, they are so stingy from what I have learned. Who else do you have? Get an American Express, Citi, or a local bank credit card.
American Express gives me increases whenever I ask, if my balance is close to zero. Citi just raises my shyt without asking. My local bank credit card just raised me up 10k because I’ve been paying on a balance over the last 7 months.
Get with a bank that is loose with money and let them know you make big bucks. Just be smart when they start opening up the purse.
FukYaFeelings
Superstar
L
My credit score is too fucced up to get approved for any “real” card breh. It’s my accounts in collection stopping it when I read my denial letter
