- 9,375
- 9,542
- Joined
- Jul 1, 2015
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
- 14,953
- 4,208
- Joined
- May 26, 2003
Pretty funny they included a headphone jack too lol
alp
Banned
- 39,966
- 8,990
- Joined
- Sep 1, 2011
You trying to max it out today?
alp
Banned
- 39,966
- 8,990
- Joined
- Sep 1, 2011
Also a question for y'all, my sister does not have a credit card and just got denied for one, how can she get one approved so she can start building her credit history?
- 16,543
- 7,757
- Joined
- Nov 17, 2013
I just got an increase after that 2 days wait. You'll be gucci
- 4,109
- 3,235
- Joined
- Mar 4, 2013
I just looked at the price tag of the base model
I like the look of them but not be able to upgrade any components after build is a major issue for me.
- 16,003
- 16,649
- Joined
- Apr 16, 2005
What laptops do you guys suggest then
Last edited:
- 9,375
- 9,542
- Joined
- Jul 1, 2015
I don't have a problem with the new MacBook. Maybe get an older one that you can spec out.
- 4,109
- 3,235
- Joined
- Mar 4, 2013
Depends on what you do honestly.
Everyone has preference I prefer PC, MACs are trendy now but my $400 Acer does me just fine lol.
I upgraded the HD and RAM which cost an extra $250. I run 3D modeling program, PS and various cpu programming languages.
One thing I will say about MAC is Ive never seen a better screen on a laptop but not $1K better.
If MAC is what you prefer then a refurbished one is what Id buy. QC is great on MAC products, so to save some money get a older model.
- 5,365
- 2,121
- Joined
- Jun 30, 2012
Am I in the wrong thread? lol. Checks thread title.
- 6,810
- 4,664
- Joined
- Mar 14, 2011
I got denied by a couple so i started with a secured card.
- 863
- 114
- Joined
- Jun 1, 2011
You trying to max it out today?
Didn't put $750K as income...so probably not
- 7,947
- 6,793
- Joined
- Jan 17, 2013
Secured card...
- 3,667
- 2,457
- Joined
- Feb 29, 2008
- 2,291
- 1,113
- Joined
- May 17, 2006
A secured card requires that you make a refundable deposit as collateral and the amount you put down is your credit limit.
Last edited:
- 4,758
- 1,409
- Joined
- Nov 6, 2012
Get a secured card
alp
Banned
- 39,966
- 8,990
- Joined
- Sep 1, 2011
Ok I'll tell her that, thanks guys
- 72
- 37
- Joined
- Sep 7, 2013
Does it look bad if I cancel some cards? Been solely using my southwest card for the miles and want to cancel my Amex gold
- 2,291
- 1,113
- Joined
- May 17, 2006
Edit. Ignore what I said and listen to Beezy.
Last edited:
- 4,758
- 1,409
- Joined
- Nov 6, 2012
Amex gold is a charge card no utilization hit. Accounts stay on your report for 10 years .
Last edited:
- 3,667
- 2,457
- Joined
- Feb 29, 2008
What beezy said. Cancel that card bruh
- 93,976
- 33,007
- Joined
- Oct 24, 2010
So is it bad if I close my Amex green cArd?
Don't even use it anymore so don't think I wanna pay $100 anymore
- 10,915
- 2,735
- Joined
- Apr 30, 2011
If you're not using a card with an annual fee then obviously do something about it. If you can convert it to a no annual fee card, then do that to keep the history. If you can't convert, then cancel. You're just throwing away money otherwise.
- 4,109
- 3,235
- Joined
- Mar 4, 2013
Depends on the credit limit on the card your thinking of closing. Its a part of of your overall credit score.
Lets say if you have a 1K card you dont use but have 20K of credit elsewhere then it wont effect you that much. That said if you have 1K card and only 5-9K then I probably would just keep it.
My personal rule of thumb is only get CC with annual fees if you plan to use every year.
- 3,667
- 2,457
- Joined
- Feb 29, 2008
Amex green card is a charge card as well so utilization won't be affected at all
