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

I'm well aware that Credit Karma isn't 100% accurate but I use it for benchmarking purposes. Anytime I've actually had to receive my credit score the credit karma isn't that far off.

That being said, it hasn't picked up pieces of info that are six weeks old at this point. Anyone else have this happen?
 
BeezyGotSole said:
Lol yup they sent me the offer last week. I think I want their flagship card. I only want 3-4 more cards , so I have to choose wisely lol
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I have the green one they have (rewards too I believe).
Not sure about another with them. I think Amex and then I'm done
 
Antidope said:
I'm well aware that Credit Karma isn't 100% accurate but I use it for benchmarking purposes. Anytime I've actually had to receive my credit score the credit karma isn't that far off.

That being said, it hasn't picked up pieces of info that are six weeks old at this point. Anyone else have this happen?
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Took about 5 months for it post my mortgage but i read thats normal.

Other than that its been pretty spot on
 
YO

Discover is actually going to match all of the $50 referral cash back that you earned in the year :pimp:. I just got an email of my 6-month cash back match progress


View media item 2049115

Folks gon be in here SNIPING for that referral now lmao.

If anybody is looking to get a discover card hit my PMs :nerd:
 
Anyone ever asked for introductory 0% apr on a brand new card before they used it? I accidentally applied for an offer that I thought had an Intro apr but it doesn't. Considering calling and just asking for an intro period.
 
DWalk31 said:
Anyone ever asked for introductory 0% apr on a brand new card before they used it? I accidentally applied for an offer that I thought had an Intro apr but it doesn't. Considering calling and just asking for an intro period.
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if it's not offered its most likely not going to happen..the T&C was included when they mailed your physical card
 
EAski3 said:
if it's not offered its most likely not going to happen..the T&C was included when they mailed your physical card
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Yea I know. Its the chase sapphire preferred. They sent the offer with a bunch of other offers and it was my mistake for not reading them closely (Just assumed it had the intro like the chase freedom and slate. My thing is, if I was just going to use a high rewards card with an annual fee that didn't have an intro apr, I'd just keep using my gold card. I was just wondering if anyone had any luck talking to a representative and them just adding it.
 
DWalk31 said:
Yea I know. Its the chase sapphire preferred. They sent the offer with a bunch of other offers and it was my mistake for not reading them closely (Just assumed it had the intro like the chase freedom and slate. My thing is, if I was just going to use a high rewards card with an annual fee that didn't have an intro apr, I'd just keep using my gold card. I was just wondering if anyone had any luck talking to a representative and them just adding it.
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You have the chase freedom card? If not, you can try for that (as long as your haven't opened 5 new credit cards within 24 months) and transfer the cash back you earn with that to the chase ultimate rewards points. Essentially getting you a zero apr card that earns the same type of rewards
 
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Naw I don't have the Chase freedom. I may go that route, only thing is I really didnt want to have another inquiry/card... PLUS I want to get those 50,000 points for the 4k spend. Maybe I want too much... lol
 
DWalk31 said:
Naw I don't have the Chase freedom. I may go that route, only thing is I really didnt want to have another inquiry/card... PLUS I want to get those 50,000 points for the 4k spend. Maybe I want too much... lol
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Lol yea bruh. Go ahead and meet that spend for the 3 months first. Then if you want zero interest go for the freedom or freedom unlimited. Another inquiry isn't gonna hurt that bad maybe like 5 points and you'll bounce back after a couple months.
 
jon4rd said:
YO

Discover is actually going to match all of the $50 referral cash back that you earned in the year :pimp:. I just got an email of my 6-month cash back match progress


View media item 2049115

Folks gon be in here SNIPING for that referral now lmao.

If anybody is looking to get a discover card hit my PMs :nerd:
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You can only do 10 referrals a year max

But that's pretty good for those who just joined or plan to join.

Free money for doing nothing :smh:
 
Zyzz said:
You can only do 10 referrals a year max

But that's pretty good for those who just joined or plan to join.

Free money for doing nothing :smh:
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I still got 6 left then :nerd:

Essentially getting $100 to get a discover card. Can't beat that if you were going to already.
 
Discover IT cash back is the card everyone here should have.

I'm considering adding another Discover card to my roster. Anyone have the Discover Travel card?
 
I want that discover card but I know my score needs improvement
 
Yo.... The IRS is mad shady.... CREDIT RELATED SORT OF....

aafes settled my debt after 10 years and I got a tax return this year for $$$$

But.....

tonight I get home from a BBQ, and I saw a Certified Mail envelope laying on top of my mail box.... THE ENVELOPE WAS WIDE OPEN

WHATS THE WORST PART

IT's from the IRS

It has my NAME / SSN / Address and all the earnings for 2014...

IRS is shady because....

It should be a mistake on their part. I filed like 2 years ago, and they took the Tax Return No Problem. Before I settled with AAfes they would take all my tax returns because I owed so much.

It's like they noticed that I don't owe anymore money so they got to try and take more money. Also I believe that they exposed my information. Even though I have no proof.

I just read the letter... IRS is WILDIN .... saying I owe them $20,000... LMAO... I don't know how in the God green earth I could've ever made them think I owed them $20K
 
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jon4rd said:
Zyzz said:
You can only do 10 referrals a year max

But that's pretty good for those who just joined or plan to join.

Free money for doing nothing :smh:
Click to expand...

I still got 6 left then :nerd:

Essentially getting $100 to get a discover card. Can't beat that if you were going to already.
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Can someone explain this to me? I was thinking about applying for one because I saw they double your cash back

I want that chase freedom unlimited. 1.5% cash back and $175 total sign up bonus :pimp:
 
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cs02132 said:
Can someone explain this to me? I was thinking about applying for one because I saw they double your cash back

I want that chase freedom unlimited. 1.5% cash back and $175 total sign up bonus :pimp:
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Discover has the double cash back promotion going on right now so discover will double all the cash back you earn in the first year. I just got an email showing the cash back I earned so far in 6 months and they have the referral bonus included. So you get $50 if you're approved using a referral link on your first statement then another $50 along with all of the other cash back you earned in the first year on your 13th statement.
 
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