- Posts: 1
- Joined: Sat Oct 15, 2011 6:50 pm
- Location: Minneapolis, MN
Great forum. Just started lurking and I figured I'd post my situation for advice.
In college, I opened a Blue for Students. I usually paid it in full but sometimes kept a little bit of a balance. I never was late. In law school, I got a little sloppy and built up a pretty big balance (topped at about $4 thousand on a $5 thousand limit). I've been out of school and working for a few years, and have paid off my full balance. I will now pay the balance in full each month.
It really was sloppy to build up that kind of debt. I don't want to do it again. That's why I'm thinking about switching to a charge card. For (reasonably full disclosure), I make about $120,000/year, have significant student loans (which are always paid), and rent. I checked my credit a few weeks ago and it was around 740.
Is a charge card for me? Which? Any other advice? What about my Blue for Student points, which I've never used?