- 1,719
- 359
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- Nov 10, 2007
Credit is tightening up right now. No limit increases, higher APR loans for me, and lower loan amounts.....so for those wondering, youre not the only one. The good days are slowing down. Banks are tightening up..
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
- 63,609
- 50,737
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- May 23, 2005
they know another economic crisis coming
i hope it hurries up
im waiting for that housing bubble crash personally
- 8,268
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- Aug 19, 2015
Me too. Just let me sell this house in Denver first this spring/summer, then it can crash and I can buy another during the dip
Nike Jordan
Supporter
- 32,768
- 77,616
- Joined
- Jun 27, 2002
I now have PayPal Credit.
- 1,905
- 539
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- Sep 29, 2012
Make paypal credit great again it used to let u finance purchases over 1 year if it was over 600$ now any amount is due within 6 months for no interest
- 3,804
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- Aug 28, 2014
Not even just that, they used to have it where the payment wouldn’t come out for 14 days after your purchase with pay later. PayPal trying to get people like every other credit company
- 3,216
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- May 8, 2013
Anyone that needs to build credit or boost their score quick, look into tradelines. Affirm gives you a loan with soft inquiry pull. They currently only report to experian but later on with report to all 3.
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- Feb 12, 2015
how do you game that? pay the minimum every month, or pay it all off immediately? or pay half off the first time and the remaining on the following month? what's the best way to game it?
- 3,216
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- May 8, 2013
It’s an installment loan, before you actually agree to it, the loan will tell you how much you will pay every month. Usually you will choose the one that will fit your budget. I believe they have 3,6 or 12 month loans
- 1,828
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- Feb 12, 2015
which option boosts up credit the most/fastest?
- 7,338
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- May 13, 2013
Gon be out the game for a min...just froze my credit reports
- 94,065
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- Oct 24, 2010
my credit jumping up like crazy 
been getting limit increases randomly across almost all my cards
been getting limit increases randomly across almost all my cards
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- Mar 27, 2005
- 38,952
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- Apr 26, 2008
Why? I'm thinking about doing the same. Just found out someone made some fraudulent charges using one of my cards.
Luckily, I caught it.
- 7,338
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- May 13, 2013
Nah just with the top 3 credit bureaus
I got most of the credit cards I wanted, already got a whip and not signing up for a mortgage any time soon so figure I might as well freeze it if I’m not applying for anything soon. If I were I can easily unfreeze it anyways but thought I’d be on the safe side
- 63,609
- 50,737
- Joined
- May 23, 2005
When u freeze ur report
Does that mean negative stuff can’t even report or change ur score????
Does that mean negative stuff can’t even report or change ur score????
- 7,338
- 12,140
- Joined
- May 13, 2013
Nah things still report as normal. Lenders just wouldn’t be able to pull your credit report for applications tho (which ultimately prevents fraudulent apps)
cs02132
Supporter
- 12,791
- 13,172
- Joined
- Nov 1, 2007
They are finally opening a chase here in Boston like 10 min from my house
Gonna do this
Might do the whole thing (savings + checking combo for $600) but idk
Gonna do this
Might do the whole thing (savings + checking combo for $600) but idk
- 2,413
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- Jan 4, 2004
They are finally opening a chase here in Boston like 10 min from my house
Gonna do this
Might do the whole thing (savings + checking combo for $600) but idk
I did it last year, Mind you they will send out a 1099 Form, so you have to pay Taxes on it.
I didn't include it in my original filing, then I had to pay like $240 from $600 I remember.
cs02132
Supporter
- 12,791
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- Joined
- Nov 1, 2007
Yea I told my dad I was gonna do it and he told me about that. Damn though, almost had to pay half in taxes
I only did the checking account. Don’t feel like doing the savings
- 2,413
- 3,500
- Joined
- Jan 4, 2004
Yea I told my dad I was gonna do it and he told me about that. Damn though, almost had to pay half in taxes
I only did the checking account. Don’t feel like doing the savings
Yea man I know, makes it not even worth it. GMEN want their cut for everything.
Cant even put a lemonade stand without Big Brother watching us
- 18,587
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- May 27, 2017
Just checked all 3 bureaus. I'm in the mid 700s. Trying to get to the 800s for the longest. Any advice? Already requested and got credit increases on my card back in October
- 16,543
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- Nov 17, 2013
I've been at 780-795 these past 3 years
They don't want me in the 800 club
But seriously, I just pay off my CCs every month + request credit increases every 3 months
- 18,587
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- May 27, 2017
Is your utilization 10% or less combined?
- 12,211
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- Oct 28, 2006
I hit above 800 for like 4 months, and then I put a refrigerator on my Best buy card and it's been like 780-790 since
