Got credit once i entered college and got student loans (
) i had a 3,000 and 2,000 limit credit cards also. It wasnt overspending as much as I wasnt smart with payments and understanding interest and when it kicks in. Being able to get such balances at 18 &19 shouldn't be legal and it's even more illegal to have parents not teach kids about money
My loans kept getting deffered and eventually defaulted once I moved to the westcoast. I wasn't worried about paying off loans as much as paying for everyday living in the westcoast. All of my credit sins were from 06-09, nothing recently cause my credit was never good enough to get anything else.
Once I got a good paying job I started paying off debts little by little. Getting in payment plans and or settlements. Started w the small things on my credit report and paid off until i had nothing else
I have no kids or no wife/gf to take care of so it was easier for me to do. I sacrificed 3 years of good pay to pay off debts/loans. Got a secured card 2 years ago w $300 limit, became unsecured a year later & Credit line auto increased to $600. never was above the 30% threshold and while still paying debts/car note applied for Amex and got $2500, only spending what I already had to spend or was getting ready to have. I'm fine with a credit line of $20,000 considering it was $300 two years ago.
My issues were from being a broke college kid and less not being good with money. I make sure my teenage niece and cousin don't make the same mistakes I did. If you're good with money and credit and don't teach your younger family the importance of credit you're a piece of shyt honestly. Feels good knowing I don't owe anyone anything
Especially the Govt:shakur::shakur:
You know the man can deny you a job, or other shyt by checking your credit history now. They look into that more than anything else these days.
Eyo, but good luck 
experience. I ordered a copy of my card the next day.
. Only worry about utilization when you have a regular credit card. Right now they're just trying to see how you pay and if you're on time. a test run basically. Also on the low Wells Fargo has a weak credit card lineup. In a few months try to get in with Chase(start with the Slate card), Amex (green card), BoA, etc.
