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

[HankHill]

I've always had a budget. It was just a matter of reallocating where money went. I got in a car accident and had to visit the hospital a few occasions after. I just set aside about $350 a month to pay for it.

I save enough as-is without stressing my pockets so I adjusted that. Instead of saving $1k a month (does not include 401k) , I just knocked it down to $650 for savings and $350 for the CC. Was still able to maintain normal habits.

 

[based mod]

Shoes are a stupid money pit tbh. I rarely ever buy shoes, and even when I do, they're on deeeeep clearance with a coupon code from NDC. And even then they're just casual runners like Roshes. **** I need full-length zoom and ankle protection for working an office job?

 

[ogmcmxcii]

Shoes are a stupid money pit tbh. I rarely ever buy shoes, and even when I do, they're on deeeeep clearance with a coupon code from NDC. And even then they're just casual runners like Roshes. **** I need full-length zoom and ankle protection for working an office job?

True

But I rather have a bunch of shoes than a money pit car that I front to flex but obviously can't afford to own.

Plus shoes don't need maintaince checks, tires, oil changes, brake works etc etc

 

[capital sb]

A reliable car isn't a money pit.

 

[ogmcmxcii]

Obviously you didn't read clearly. A car that is way out of my pay grade that I flex in just to front is a money pit. Why because I can't afford it and I'm just tossing money away when I can purchase something for less and it lasts a long time (reliable)

 

[Mark Antony]

Thinking of paying off a couple of old collections with my CC now and then paying it off over the year. Part of me doesn't want to use a CC for that, but i don't want to give up that much money at once.

 

[capital sb]

Lol didn't get that from the post at all.

 

[townbidness]

View media item 2043704
Discover the real ones [emoji]128077[/emoji][emoji]127997[/emoji].

 

[thadangerousmind]

I can't wait to curb stomp that CLI increase button in about 2 more months on my Discover card.

 

[jon4rd]

View media item 2043704
Discover the real ones [emoji]128077[/emoji][emoji]127997[/emoji].

Nice breh. That's a hefty increase.

I can't wait to curb stomp that CLI increase button in about 2 more months on my Discover card.

Discover has been awesome with the CLIs. After you get that first one request every 30 days fam

 

[n3rd]

Credit Karma says I'm at a 606.i have a bad open debt with Portola Recovery. If I pay then and it shows as a charge off will it actually help my credit score? Or should I just try to get a Discover Card?

 

[jon4rd]

Credit Karma says I'm at a 606.i have a bad open debt with Portola Recovery. If I pay then and it shows as a charge off will it actually help my credit score? Or should I just try to get a Discover Card?

Negotiate a pay for delete with them before trying to apply for cards. discover will deny you for open collections.

 

[capital sb]

Discover the GOAT with CLI's 

 

[slighted]

What color Discover cards do you guys have?

I have the burgundy -- black would be

 

[townbidness]

What color Discover cards do you guys have?

I have the burgundy -- black would be

I got the mixtape

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[bluntobject50]

What color Discover cards do you guys have?

I have the burgundy -- black would be

I got the mixtape

View media item 2043891

Had the burgundy but ended up requesting the Mixtape as a replacement.

 

[based mod]

WHOAAAAAAAAAAAAAAA THATS DOPE.

I have the standard orange

View media item 2043909

 

[eyanks]

I got the mixtape

View media item 2043891

That's nice. I'm gonna look into changing my card to that look.

 

[slighted]

^ Just requested that as a back-up card.

 

[freshpairs]

When did that mixtape card release? Didnt see that option when i applied last month

 

[townbidness]

When did that mixtape card release? Didnt see that option when i applied last month

Ive had it since january. Maybe its not a option when you apply?

 

[freshpairs]

Ive had it since january. Maybe its not a option when you apply?

Yeah you might be right? I only had the color options.

 

[jon4rd]

Mixtape is dope. I've got the blue. Wanted the green but my application messed up and froze when applying and they sent me the blue I guess since I had to call to finish my application.

 

[slighted]

 

Ive had it since january. Maybe its not a option when you apply?

Yeah you might be right? I only had the color options.

Correct, they only offer the color options when you first sign up.

You can cop an additional when your account is set up:

 

[freshpairs]

Correct, they only offer the color options when you first sign up.

You can cop an additional when your account is set up:

View media item 2043967

Does it replace your card number?