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

[isco]

need to balance transfer $4000 from my chase slate.. any tips ?

chase has other cards..did u call them?

 

[based mod]

need to balance transfer $4000 from my chase slate.. any tips ?

Brehs already used up his 0% balance transfer for a full year 15 months and still carrying a $4000 balance. That ain't part of the game fambs.

 

[UnicornHunter]

chase has other cards..did u call them?

chase won't let you balance transfer if you are doing it from a chase credit card to another chase credit card

 

[UnicornHunter]

Brehs already used up his 0% balance transfer for a full year 15 months and still carrying a $4000 balance. That ain't part of the game fambs.

yup .. stuff happened .. emergency , family stuff , car breaking down etc just added up.. I didn't intend to be in a hole on purpose lol

 

[slicknick951]

Citi simplicity ^^^

Good luck and make a plan

 

[UnicornHunter]

Citi simplicity ^^^

Good luck and make a plan

I'm diving in with no plans.. just winging it from here on out.. I think I can make 4g easy within the year so a balance transfer with no apr for 18 months would be perfect

 

[suprafly36]

I’m only getting started!!! I had a 527 in October

 

[noskey]

According to Citi, I finally joined the 800 club Feels good mans.

 

[UnicornHunter]

I just keep doing balance transfers and here's where I am at.. pretty good for being in a $4000 hole right ? only thing is my 0 Apr is ending in 4 months and need another balance transfer card.. I used chase already is there any more with 0 Apr for the first year ? I just need to hold off and slowly bring that 4k debt down

 

[slighted]

Just got a CLI increase on my Discover card...
...$600 increase

 

[northoaklandfc]

My student checking with TD is about to graduate to a standard checking account so I'll have to keep a minimum balance....but really not trying to worry about that. What banks do you all recommend that have free checking without minimums?

There categorically is not a better checking account on the market than the Schwab High Yield Investor Checking Account.

 

[danyosahn]

what's the best way to dispute a collection on CreditKarma?

 

[isco]

edit

 

[UnicornHunter]

I have 1 collections I heard after 6 years it erases it self .. it's been 7 and it's still in my account/ credit karma ... guess it's a myth

 

[doxen5703]

I have 1 collections I heard after 6 years it erases it self .. it's been 7 and it's still in my account/ credit karma ... guess it's a myth

After 7 years it falls off.

 

[CrownRoyalDaddy]

Got my increase from $3500 to $7k on my cabelas visa approved...feels good. Score steadily on the rise

Buying my first home on Tuesday, this mortgage is about to set my score off in the future

 

[willie mcfly22]

Discover wit the surprise $400 limit increase. Small but appreciated

 

[Los Angeles]

still pissed that discover doesnt let you transfer balance with a cc

 

[Chiron]

still pissed that discover doesnt let you transfer balance with a cc

are you sure? I have a BT offer for discover right now. unless you mean tranferring from discover... in that case just use a bt check to your bank first then pay the card.

 

[UnicornHunter]

still pissed that discover doesnt let you transfer balance with a cc

good to know as i am on a hunt for a balance transfer

 

[jon4rd]

Discover does let you balance transfer though

 

[アミーゴ]

THOSE in the 800+ club; Do you ask for anything from your creditors? Limit raises etc? I need to take better advantage of this.

Thanks!

 

[isco]

Pretty sure he means transferring from another discover card..but if ur 0% promo is about to end they do have decent other options

 

[jrp44]

Just got a Discover It card end of December and they randomly gave me a $2000 increase a few days ago. Does Discover do this all the time?

 

[turbospartan]

THOSE in the 800+ club; Do you ask for anything from your creditors? Limit raises etc? I need to take better advantage of this.

Thanks!

I've never done anything extra / requested anything. My last card I signed up for (CSR), they gave me a limit of $22k. Not sure how they decide on the # though, as my wife (who makes less than I do) also got the same card and her credit limit was $34k