Blackout
just your usual nerdy brotha
Name them.
Credit Card Discussion Thread
- Thread starter Blackout
- Start date
Blackout
just your usual nerdy brotha
Might get me a second credit card.
Blackout
just your usual nerdy brotha
Last edited:
I travel home at least twice a year. Anything work related is ony corporate card so doesn't affect my credit.
Blackout
just your usual nerdy brotha
I ask cuz you got Sapphire proffered and it has travel benefits.
Yea I'm traveling to San Francisco for a family trip and probably somewhere else within the next three months so I'm taking advantage of it. May turn it into s regular sapphire before the annual feel but honestly it's a solid card for travel.
NeilCartwright
All Star
Be careful out there..had a girl I go to school with claiming her cousin back home in Chicago had "the hookup" on usaa accounts.
How tf you supposed to be In school halfway across the country still scamming
How tf you supposed to be In school halfway across the country still scamming
The Devil's Advocate
Call me Dad
skip the credit card part... you right, that's a trap!!In 2014 I was on a mission to build my credit. I got fukked in 2011 when I bought my car. Needed a cosigner even after my significant down payment + trade in. Got my locked into a 61 month loan which thankfully I'm about to pay off completely in two more months.
My score was in the mid 600s, mostly because I didn't have much established credit and I had let some of my loans go delinquent but thankfully around 2014 the only debt I had was from my car loan.
Now I have two primary cards, a Chase Freedom and now a Chase Sapphire Preferred.
Chase Freedom they started me at $3,500. Having that shot up my credit score a bit since it was 'established' credit. No cosigner. A few months later I asked for a CLI which was probably a minor mistake since it was a hard pull and they only upped it to $4,400.
Anyways, I just kept using it. They bumped it to $8,400. Paid on time. Good habits. I tried to get my APR lowered a few weeks ago and they denied it which was bullshyt, but they allowed me to increase my credit limit without a hard pull so now it's at $14,400.
I'm doing a lot of travel this summer and I wanted the Holy Grail that is the Chase Sapphire Preferred so I got it. They gave me a $19,000 limit with a lower APR than the Chase Freedom so I'm fukking excited.
My credit score floats between 760 - 770 on Credit Karma. Just keeping my income to debt ratio really low. I've been guilty of carrying a balance especially now with my new job transition but for the most part I keep my utilization really low. So right now:
CarCare One: $1,400
Chase Freedom: $14,400
Chase Sapphire Preferred: $19,000
fukk using all the credit though lol it's a trap. It's good to have buying power though if I want to pull out a loan for a business or maybe my first house. It took me about a year and a half to get where I'm at credit wise. Now trying to reach 800.
Just got an update on Credit Karma due to my HP from Chase.
Credit Utilization isn't reported right. That's from early April when I was buying a lot of crap for my home. Plus it thinks my CL is at $9800 but now it's around $35,000.
4 Hard Pulls as you can see. Two from Chase over the past year or so. It dropped my TransUnion score down 7 points temporarily. My oldest HP should fall off in about two months.
Still my TransUnion and Equifax scores are showing as 750/770 right now. When that higher credit limit hits it should increase both of them by 10-15 points.
but having that good credit
bought a car last year... 13.9% was the rate they gave me.. i spent the past year paying shyt off, paying shyt down, improving my credit
just went to get it refinanced... instant approval... 3.8%
i tried to get my credit card rate lowered and they denied me too... but it started off at 6k and now they raised my limit to 9.8k.. i don't even want that shyt for real.. that's how my credit got fukked up in the first place. but it is good to know it's there just in case
but when i pay that off... my shyt gonna be immaculate... then it's house buying time
skip the credit card part... you right, that's a trap!!
but having that good credit
bought a car last year... 13.9% was the rate they gave me.. i spent the past year paying shyt off, paying shyt down, improving my credit
just went to get it refinanced... instant approval... 3.8%
i tried to get my credit card rate lowered and they denied me too... but it started off at 6k and now they raised my limit to 9.8k.. i don't even want that shyt for real.. that's how my credit got fukked up in the first place. but it is good to know it's there just in case
but when i pay that off... my shyt gonna be immaculate... then it's house buying time
YEP! Credit is a trap but you gotta have good credit to get a house or a car! Even used car. Don't mind dancing with the devil a bit.
Recent update. Still not showing my recent credit increase from the CSP. Pretty much accomplished my goal of great credit though. Now just saving right, increasing net worth and investing.
I'm just happy I finally paid off my last outstanding credit card bill Thursday
I got a long way to go before I can post and brag about my equifax and Transunion scores on here but 600 gang here I come
I got a long way to go before I can post and brag about my equifax and Transunion scores on here but 600 gang here I come