Just moved to the country - 19 y/o Blue with 5k CL?

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Joined: Wed Nov 28, 2012 7:32 pm
Location: chicago

Just moved to the country - 19 y/o Blue with 5k CL?

Postby CharlesKirk90 » Wed Nov 28, 2012 7:39 pm

Hi there,

I've been lurking this forum for the past few weeks and decided to join after reading the great quality of posts.

I just moved to this country, I'm US born (so have SSN etc) but lived in England my whole life. I'm 19 and taught myself to program, so I make 65k here. When I got here, Chase didn't give me a Credit Card even though I put a fair amount of cash into a checking account etc. So I applied for a Crapital One, which is terrible, but.. building credit and all.

I moved here 9/24, got capital one I think 10/24 or so. I maxed it out because it just has no limit... I know it was a bad idea, but I paid it fully down. So I applied for a buuuunch of credit lines, maybe 6-7. My Amex report went through first, and I did them all very closely. I have a "thin file" - I can't pull a fico score, a report from any of the CBs, nothing.

So I AmEx approved me for a Blue with a $5,000 limit? With no credit report? Only caveat... they wanted tax papers, of which I obviously don't have yet. So I asked if I could send 2 paystubs and then said fine. Faxed them over, next day - approved.

Is this going to really help me credit report? What should I do now CC wise - give it a break? I know to request about $14500 in 60 days but that's it.

Thanks in advance,

Centurion Member
Centurion Member
Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Postby Robrus1 » Fri Nov 30, 2012 9:30 am

Use the Amex for 6 months and pay on time before applying for anything else. I wouldn't put more than about $1500 on it unless you pay it down before the statement comes out.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

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