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Lol just don't keep all of them on you at once.
This sounds great, but I'm hesitant to hold down 4 cards.
Forgot to say that my starting limit was 5.5K and I requested a few CLIs my limit is not 10.5K.
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
Forgot to say that my starting limit was 5.5K and I requested a few CLIs my limit is not 10.5K.
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- Feb 29, 2008
Question: I checked my report and score through the experian website and im at 695 (from like 5someting :x ) and no negative info on my accounts (no late payments, nothing in collections). Would I be able to get approved for the Discover IT card? I was denied a while back because of my low score and a bill in collections. Or will they have me blacklisted? I just wanna flourish with these cashback deals yall capitalizing on :\
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I got denied about 6 months ago with the IT. tried again 2 months ago and got approved. I think it's worth a shot
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Didn't you get approved under me? Could of sworn we talked via pm 
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Didn't you get approved under me? Could of sworn we talked via pm
yessir
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Word I'll probably try again then. One more question. How many (or how frequent) inquiries are too much? Just had an inquiry for my new apt in June and one to finance some furniture this week. Should I hold off for a while till I apply for the card?
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That's only 2 inquiries your fine. It takes 2 years for them to fall off no need to try to wait it out. Apply for what you want to apply to, then wait as long as possible to start applying for more credit.
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Damn I just got the IT card last week didn't know about the referrals. On the other hand Amazon Prime card is a godsend 5% cash back on anything less than $149 and 24 month 0% interest for televisions. Waiting to see if any good deals come up on BF.
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Should of hit your boy up
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This probably isn't the right thread but I trust that someone in here could someone help explain a Roth IRA to me? My brother was telling me to look into opening one, but I am a bit confused about them even after googling about them. I feel like if someone could personally explain it to me rather than basic definitions of them it would help me a lot. You can PM me if that makes it easier and stops this thread from going off topic.
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Do you mean a Roth IRA?
You should probably ask this in the personal finance thread
http://niketalk.com/t/626991/nt-official-personal-finances-thread
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Yeah my phone auto corrected roth to rothschild oops. sounds good thanks man
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Next bonus CB with Discover is on payments at gas stations. Shall be used often with my commute 
Toys R Us accepts ApplePay...little man purchases about to be all with the phone
Hoping to cop a SurfacePro on sale during the holidays too with ApplePay (irony). Then top it off, the car shop I go to got some new pay terminal there and I can use ApplePay for mods and work done to my car. That's going to be a problem
Toys R Us accepts ApplePay...little man purchases about to be all with the phone
Hoping to cop a SurfacePro on sale during the holidays too with ApplePay (irony). Then top it off, the car shop I go to got some new pay terminal there and I can use ApplePay for mods and work done to my car. That's going to be a problem
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Next bonus CB with Discover is on payments at gas stations. Shall be used often with my commute
Toys R Us accepts ApplePay...little man purchases about to be all with the phone
Hoping to cop a SurfacePro on sale during the holidays too with ApplePay (irony). Then top it off, the car shop I go to got some new pay terminal there and I can use ApplePay for mods and work done to my car. That's going to be a problem
nice gonna finnese and use my IT to fuel up my delivery truck a few times instead of the company gas card (ill get cash bringing the receipt)
apple pay deal ends this year so better hurry up
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Nice
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yeah usually its like $125 at a time
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Anyone have different cards for different expenses? I'm thinking about diversifying my portfolio of cards to meet the specific expenses of my life. Ideally, I want cards that will maximize my rewards in each expense area. To start, what are some cards y'all use for grocery shopping?
Cards that I currently have:
1. Discover -- oldest account 7+ years. My daily...use for all my non-cash purchases.
2. GAP Visa -- signed up for it, in store, only so I could get a nice discount on a purchase. Owned for 2+ years. Only used it once.
3. Amazon Visa -- signed up for it, so I could qualify for free shipping and massive discount off a recent purchase. Owned for about 3 months now and have never used it.
...
Cards that I currently have:
1. Discover -- oldest account 7+ years. My daily...use for all my non-cash purchases.
2. GAP Visa -- signed up for it, in store, only so I could get a nice discount on a purchase. Owned for 2+ years. Only used it once.
3. Amazon Visa -- signed up for it, so I could qualify for free shipping and massive discount off a recent purchase. Owned for about 3 months now and have never used it.
...
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Honestly, you should find 1 card that does it all for you. AMEX's use to have the best deals by far but they've been cutting back significantly over the past few years and there's also the issue that many places don't accept it.
The best bang for your buck will be either a card that racks up miles, but you have to do research on which one is best or a good cash back card. I've stuck to the BoA cash back card. I get 1% on everything, 2% on groceries, and 3% on gas along with 10-25% cash back on random deals that rotate every month. They are usually based around by spending and purchase habits.
Granted, I do have some store cards like Bloomingdales, Lords and Taylor, and Macys for when they have big sales and they give another 10-15% off for using their cards. But I usually make a big purchase then and have cash in the bank account to cover it.
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Depends how much spend on groceries but the 6% cash back on the blue cash preferred is nice but the annual fee it's $75 there is also 3% on gas an department stores, everything else is 1%
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No 1 card is going to do it all for you. Every card has it's pros and cons, I think you can narrow it down to 2-3 cards though.
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Welp just got my credit score for the month, I went from a 545 to a 584 
It's rising faster than i anticipated. One thing that helped boost it was sign up for a Fingerhut Freshstart account. I got approved for $250 credit and bought something cheap (a used video game). They report to the credit bureaus which helps in addition to my Capital One Secured card
It's rising faster than i anticipated. One thing that helped boost it was sign up for a Fingerhut Freshstart account. I got approved for $250 credit and bought something cheap (a used video game). They report to the credit bureaus which helps in addition to my Capital One Secured card
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Welp just got my credit score for the month, I went from a 545 to a 584
It's rising faster than i anticipated. One thing that helped boost it was sign up for a Fingerhut Freshstart account. I got approved for $250 credit and bought something cheap (a used video game). They report to the credit bureaus which helps in addition to my Capital One Secured card
Nice, now dont get discouraged when things plateau. Time is the biggest factor in your credit score honestly
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haha that's me more like 10 though
