Every 6 or so months you should apply for credit line increase if they say they wont pull your report. I got my total limits to like 150k doing that.
Whats your credit card game looking like?
- Thread starter hayesc0
- Start date
Every 6 or so months you should apply for credit line increase if they say they wont pull your report. I got my total limits to like 150k doing that.
I do that already lol
My Discover just got raised by like 5K
I'm tryna get this credit score to 800.
I'm at 780 now
Yeah that discover is clutch. I put my mom on game after she got off bankruptcy and now her score is like a 780 or something lol
Discover the GOAT
They always give me a year of 0 APR when I call and ask lol
Amex saved me once too. They paid for my $500 deductible when I backed a rental into a pole
Put me up on game breh. I'm at a 752 credit score and I cant get over that hump to 800
Put me up on game breh. I'm at a 752 credit score and I cant get over that hump to 800
Whats your current credit utilization
Discover the GOAT
They always give me a year of 0 APR when I call and ask lol
Amex saved me once too. They paid for my $500 deductible when I backed a rental into a pole
Them balance transfers are CLUTCH. If you got like 2 cards with decent limits and good balance transfer offers like the the discover you can work alot of magic if you are disciplined.
So true.
The reason I got so many cards is caused I fukked up and ran up a card when I was like 25....learned my lesson and now I never pay interest
So true.
The reason I got so many cards is caused I fukked up and ran up a card when I was like 25....learned my lesson and now I never pay interest
Yup. Disicpline is key but i tell folks who got bad student loan debt to use that method to pay off student loans effectively.
Toe Jay Simpson
Searchin’
Just came out of bankruptcy so I got a secured card rebuilding. Got a house full of furniture, trips across the country, TVs, and the whole 9 out of the deal though
Livin in Americaaaaa
Livin in Americaaaaa
It’s best to pay the balance off before its due. Usually get a statement before the due date. If you pay in full, then you pay no interest.
If you new to credit start with a Discover IT secured card. If you smart with it itll graduate to a non secured in a few months.
If discover denies you, capital one got a secured card thats easier to qualify for but i dont think it graduates to unsecured. Plus their customer service aint as good as Discovers. If its your only option tho then gotta start somewhere.
If you in college you might be able to get their student IT which is unsecured so you aint gotta make a deposit like a secured card.
After a year of using your unsecured card you should apply for a better card. I wouldn’t get one with annual fees unless you make a lot of money and can come out ahead in the rewards points.
So start off like this
Secured card(discover IT or Crapital One)
Then a decent no annual fee card(us bank cash+, amex cash magnet, amex blue cash everyday, chase freedom, etc)
Visa and MasterCard more accepted than Discover and Amex tho so if you start with discover you might want to find a decent visa or mastercard first instead of the american express.
Citi Double Cash card is a good 2% mastercard with no annual fee, but ive heard their customer service is hit n miss.
Credit agencies look at your credit utilization and age of accounts. So you never want to go above 30% credit utilization. Thats where having multiple cards helps if your card doesnt give you a limit increase.
Example: you need to buy 300 dollars worth of groceries but also need new tires for your car this week. Your first card has a limit of 1000 bucks. Your groceries will put you just under that 30 percent but if you buy the tires on that same card you goin over that 30. But your second card got a 2000 credit limit. So get the groceries on card one, and the tires on card two(assuming they aint expensive and wont cost over 30 percent of that 2000 limit). Pay both them shyts off at the end of the month and you good. Never had high utilization, and paid off so you aint paid interest.
Never ever max out a card. Even if you pay it off that same month it looks bad on you.