- 2,631
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- Mar 31, 2006
SHEESH. Hoping for something like this once my years up. I was at like 650 halfway through but I've slowed way down
The sad thing is now the double cash back promo is over for me.
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
The sad thing is now the double cash back promo is over for me.
- 10,915
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- Apr 30, 2011
dam itz lou
, Chase might be releasing a high-end CC to compete against the Prestige and Amex plat. There's patent filings by Chase for a few different Sapphire names, so rumors have some legitimacy.If rumors are true, I'm signing up day 1. Especially if the sign-up bonus is 100k UR.
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- 2,631
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- Mar 31, 2006
I already have the plat & prestige card. I dont know if if I could eat another huge annual fee. I hope they waive it the first year then depending on the perks I can decide if I will cancel my prestige card next year.
The 100K sign up bonus makes it really tempting though.
The 100K sign up bonus makes it really tempting though.
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- Jun 11, 2004
Is it possible to increase your credit score in 2-3 weeks?
- 5,855
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- Apr 30, 2005
So the Experian credit tracker app is telling me that if I pay down my card balances now, my score will only go up 20 points.
But if I pay my balances off in 24 months, it'll go up 120 points to the mid 7's. wth.
I really wanna pay off everything now. And need that score to be in the early 700s at least. I'm really trying to get a property within the next 6-8 months.
But if I pay my balances off in 24 months, it'll go up 120 points to the mid 7's. wth.
I really wanna pay off everything now. And need that score to be in the early 700s at least. I'm really trying to get a property within the next 6-8 months.
cs02132
Supporter
- 12,626
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- Nov 1, 2007
Smh I chose the "forest green" one and they sent me that ****** blue one up there. Changed my card again through the app and they sent me the wrong one again
..
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- Nov 6, 2012
Your age must not be high. Pretty much what it is saying the longer you keep making payments on your card the more your score will go up.
If you are trying to get a mortgage it is best to pay off all of your CC debt to keep your DTI down.
You guys in here are trying to beat time with this CC game, you can't.
- 4,900
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- Apr 12, 2011
2nd month in a row these cards have sent me a offer to increase my limit
Citi last month and now chase
My 90 days for am ex is next month so im gonna try with them also but other than that i think im good for now
Citi last month and now chase
My 90 days for am ex is next month so im gonna try with them also but other than that i think im good for now
- 5,855
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- Apr 30, 2005
Yeah I guess not. I was trying to keep my utilization to 10%
And hopefully build from there. I already got down my cards to 30%
I'm 27 and I think my oldest card is 6 years old. Only have 3200 limit and 2500 on my chase freedom
- 3,667
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- Feb 29, 2008
Yes and no.
If you have high utilization AND your card(s) report in the next 2 weeks, then you can pay your balance(s) down and your score will get a boost.
If both of those are not the case, then no. Like beezy said, you can't beat time when it comes to your credit scores
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- Feb 29, 2008
Do you have any negatives on your credit report?
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- Oct 24, 2007
Score is just shy of 800 ...any suggestions on how to get over the threshold?
Got a Capital One CC with about $1500 L
Chase $1300 CL
Iddeal CC $9000 CL
What cards would you guys suggest I get ?
Got a Capital One CC with about $1500 L
Chase $1300 CL
Iddeal CC $9000 CL
What cards would you guys suggest I get ?
- 8,862
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- Aug 21, 2005
Time and get some CLI's
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- Oct 24, 2007
So no new cards? just increase the ones I have ?
dacomeup
Supporter
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- Jan 20, 2006
Follow up on my earlier question about Chase Sapphire, I have the Chase Freedom, but think that the Freedom Unlimited would be may more useful in conjunction with the Sapphire. Thoughts on just waiting to get the Sapphire until next year or so, and going with the Freedom Unlimited for now?
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- Feb 29, 2008
I mean I don't see an issue with that. You can just product change the freedom to the unlimited if you don't want the freedom anymore at all. If you still want to keep the freedom and you apply for the unlimited on its own make sure you won't be over the 5/24 rule when you go to apply for the sapphire later.
dacomeup
Supporter
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- Jan 20, 2006
Thanks for that. Just ended up switching the product.
- 10,915
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- Apr 30, 2011
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register
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- 6,698
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- Mar 4, 2009
They got you with that damn Red Card and bonuses.
My wife and her sister are all about Target and the cartwheel app for extra savings in there and stuff haha
My wife and her sister are all about Target and the cartwheel app for extra savings in there and stuff haha
- 3,667
- 2,457
- Joined
- Feb 29, 2008
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register
The 5/24 rule only applies to newly opened credit card accounts so you should be in the clear. To be sure you can check the chase prequal site. It's pretty spot on and doesn't show you any offers if you have hit the 5/24 threshold
- 10,915
- 2,735
- Joined
- Apr 30, 2011
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register
The 5/24 rule only applies to newly opened credit card accounts so you should be in the clear. To be sure you can check the chase prequal site. It's pretty spot on and doesn't show you any offers if you have hit the 5/24 threshold
Repped. Couldn't find any definitive answers for car loans for whatever reason.
- 4,758
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- Joined
- Nov 6, 2012
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register
Lol definitely was a waste the Target Debit card has 5% off too literally no advantage in having the Red CC over the Red debit.
- 8,862
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- Aug 21, 2005
I tell you one thing though. Those Target employees do a good job pitching it . They are relentless without being pushy
. They are relentless without being pushy
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- Sep 23, 2012
The no sign-up bonus sucks. I signed up for it right out of college, when I moved out of state and had to wait a month for my first paycheck. I do 98% of my shopping there because it is so close and I saved hundreds with the 5% off and cartwheel. My discover card was only offering 1% at the time. There price match is easy too, so I don't need to step foot in the dirty Wal-Marts.
They got you with that damn Red Card and bonuses.
My wife and her sister are all about Target and the cartwheel app for extra savings in there and stuff haha
It's the worst of my 3 credit cards, so I tell people to definitely get the debit version.
