24 Looking to build Credit... What are some good tips on your first Credit Card

^^ word my credit score is decent like 705 but I only have one credit card with a 2k limit. It was always 1500 when I first got it and they just recently increased my limit without my me knowing like a few months ago. Not that I need a huge limit but I would be satisfied with 5k.
 
703 Hwy said:
Damn, I got good credit (780) and don't have limits like you dudes. I got a $6300 limit Amex, $3k limit mastercard, $2500 limit visa, $3K limit visa. How do yall get such huge limits, do yall lie about how much you make :lol: :lol:.
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Damn.

Im guessing youve only had the card a year or two though?

The increases will come... Or straight up request them. If u go to the fico forums theyll walk you through getting an increase with a soft pull on pretty much every card hah
 
I'm BEYOND pissed right now.

Cliffs due to anger type:


  • Opened Secured Card with local bank in LA
  • Lost bill mailed to me but knew it was due this week; called to make payment, doesnt accept phone payment. Look online, no online payments allowed. Went to branch on my lunch, doesn't accept payment @ branch. Turns out that payment was due TODAY
  • Can only mail payment in.....to a p.o box in Tampa ******* Florida. Got back late to work, Post Office crowded and I have a netowkring event in 10 mins.

Just gonna take the L on the late payment, pay off balance in full then cancel this ****, which I have to do in writing.
 
703 Hwy said:
Damn, I got good credit (780) and don't have limits like you dudes. I got a $6300 limit Amex, $3k limit mastercard, $2500 limit visa, $3K limit visa. How do yall get such huge limits, do yall lie about how much you make
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.
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Navy Federal, with a credit score like that you just might get a 20K limit as long as you sign up for the Visa Signature Rewards card. I was given a 15K limit .

Visa Signature cards are given higher limits than other cards.
 
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BeezyGotSole said:
703 Hwy said:
Damn, I got good credit (780) and don't have limits like you dudes. I got a $6300 limit Amex, $3k limit mastercard, $2500 limit visa, $3K limit visa. How do yall get such huge limits, do yall lie about how much you make :lol: :lol: .
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Navy Federal, with a credit score like that you just might get a 20K limit as long as you sign up for the Visa Signature Rewards card. I was given a 15K limit put my salary as 50K last summer.

Visa Signature cards are given higher limits than other cards.
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My roommate went to school for entrepreneurship and economics or something. Whatever doesn't matter. Here's my point. His professor made all the students call their cc company to try and raise their limits while on break. He calls once on capital one. Gets shut down. The next day he calls and got a 10k limit. It's just how they feel really. You just need to ask.
 
I  literally don't know anybody that has received a limit under 10K for the Navy Federal Visa Signature Rewards Card.
 
Penny1Folarin said:
omariwestafari said:
My credit score went down like 80 points because i have two cards that are almost full. Will the best way to improve my score just to pay them off
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lower the usage not suppose to use majority of the balance
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I cant i paid for my tuition on the cards

703 Hwy said:
Damn, I got good credit (780) and don't have limits like you dudes. I got a $6300 limit Amex, $3k limit mastercard, $2500 limit visa, $3K limit visa. How do yall get such huge limits, do yall lie about how much you make :lol: :lol:.
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Damn b im like 22 make about 10k a year and got 3 cards one with 7k limit one with 3k and one with 1k
 
JRAdagreat72 said:
I'm BEYOND pissed right now.

Cliffs due to anger type:


  • Opened Secured Card with local bank in LA
  • Lost bill mailed to me but knew it was due this week; called to make payment, doesnt accept phone payment. Look online, no online payments allowed. Went to branch on my lunch, doesn't accept payment @ branch. Turns out that payment was due TODAY
  • Can only mail payment in.....to a p.o box in Tampa ******* Florida. Got back late to work, Post Office crowded and I have a netowkring event in 10 mins.

Just gonna take the L on the late payment, pay off balance in full then cancel this ****, which I have to do in writing.
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I feel you bruh, the fact that they wont let you pay in person or online should have been a big red flag unless they didnt tell you.

I remember when I first got my credit card, they never specified which account they would be taking the amount out of (I assumed my checking). They charged my savings twice which caused and got denied but I still had a overdraft fee and I paid them extra for not having the cash and I had to pay the bill.

Looking to set up a checking and savings account at a national bank for easier access if Im out of state (prolly just keep around 500 in there), anybody know good banks
 
What sucks is I have capital one as my cc company and they won't raise my limit at all. It's only for 1k smh. I got a 740 credit score and I made close to 6 figures last year... Can anyone get a visa signature card. I want a cc with a nice limit.
 
alexODY said:
Looking to set up a checking and savings account at a national bank for easier access if Im out of state (prolly just keep around 500 in there), anybody know good banks
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Access for what? I've had ING/Capital One for almost 10 years now and free ATM's are everywhere. If I need to deposit cash, I'll just do it with my credit union (or one that will deposit it with my CU for me) and have the money available in that bank within 2 days.
 
DamokuNaSenshi said:
What sucks is I have capital one as my cc company and they won't raise my limit at all. It's only for 1k smh. I got a 740 credit score and I made close to 6 figures last year... Can anyone get a visa signature card. I want a cc with a nice limit.
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Yeah anyone can get a Visa Signature card. I assume is you google "Visa Signature credit cards" the company sites that offer the cards will come upp. Before you choose your card check out the reviews and you can also check myfico.com forums and see what type of limits people are receiving. Dudes on there have crazy limits
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crcballer55 said:
Access for what? I've had ING/Capital One for almost 10 years now and free ATM's are everywhere. If I need to deposit cash, I'll just do it with my credit union (or one that will deposit it with my CU for me) and have the money available in that bank within 2 days.
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I only have a CapitalOne credit card but I doubt I can deposit cash into that and take money out of that (from the atm) for free. Unless you mean you gotta bank account with ING.
 
alexODY said:
 
crcballer55 said:
Access for what? I've had ING/Capital One for almost 10 years now and free ATM's are everywhere. If I need to deposit cash, I'll just do it with my credit union (or one that will deposit it with my CU for me) and have the money available in that bank within 2 days.
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I only have a CapitalOne credit card but I doubt I can deposit cash into that and take money out of that (from the atm) for free. Unless you mean you gotta bank account with ING.
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Yes, I have a bank account with Capital One (formerly ING Direct).
 
Whats the best way to avoid that credit card interest that takes effect when ur introductory period 0% interest expires?

Besides paying it off of course
 
Will they charge me interest once the statement ends or minimum payment is do? This is for my cc
 
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Amex or Discover IT...I travel a lot for work nationwide and abroad as well any suggestions? :nerd:
Also going pages back I was reading... what's the highest max limits yall have on your cards and I ain't talking black card numbers HONESTLY....
 
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