Credit Card HELP!!

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
13 posts
Mani510
 
Posts: 1
Joined: Mon Feb 10, 2014 8:36 pm
Location: Bay Area

Credit Card HELP!!

Postby Mani510 » Mon Mar 17, 2014 9:04 pm

I'm 22 and I want to apply a new credit card Plz help me.
Currently I Have
Amex blue cash - 15K CL
Citi Diamond Preferred - 5K CL
Wells Fargo - 1K CL


Kaiokenryu
Centurion Member
Centurion Member
 
Posts: 106
Joined: Tue Jul 09, 2013 12:25 am
Location: atlanta

Postby Kaiokenryu » Tue Mar 18, 2014 12:17 pm

I don't know many....no scratch that....I don't know ANY 22 year olds who have 21K in credit available to them in his or her own name. you are doing damn good. Now go enjoy life and build history with what you have......and start thinking about retirement. Man what i wouldn't give to be 22 again.

I'm not trying to be funny or dismissive by any means....I'm just saying you are missing the forest for the trees by wanting another credit card. you already have 3 cards that are equal to someone's annual salary.

linuxmachine
Centurion Member
Centurion Member
 
Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Tue Mar 18, 2014 12:32 pm

Bay area = software developer earning 100k out of college? It's pretty viable... and can explain the CL :)

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djrez4
Centurion Member
Centurion Member
 
Posts: 1468
Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Tue Mar 18, 2014 12:39 pm

Help us help you. What do you want out of a new card?

(and why did you post in the Amex forum?)
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

benhollberg
Centurion Member
Centurion Member
 
Posts: 353
Joined: Mon Apr 29, 2013 6:51 pm
Location: Salt Lake City

Postby benhollberg » Tue Mar 18, 2014 8:00 pm

All the cards in my signature I had when I was 22, now 23. That Costco AMEX was $22k limit alone and I don't have income of $100k, not near that. You don't have to have super high income to receive cards like that, a perfect history and payment helps a lot.
American Express Platinum Card
American Express TrueEarnings Card from Costco
Marriott Rewards Premier Visa Signature Card
Chase Sapphire Preferred World MasterCard
Discover It

linuxmachine
Centurion Member
Centurion Member
 
Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Tue Mar 18, 2014 8:40 pm

benhollberg wrote:All the cards in my signature I had when I was 22, now 23. That Costco AMEX was $22k limit alone and I don't have income of $100k, not near that. You don't have to have super high income to receive cards like that, a perfect history and payment helps a lot.


you must be doing something right to get 22k CL at 23. could be a sign of the times. i had perfect payment/history when i opened my first card at 18, and didn't break the 20k mark until well past 25.

Kaiokenryu
Centurion Member
Centurion Member
 
Posts: 106
Joined: Tue Jul 09, 2013 12:25 am
Location: atlanta

Postby Kaiokenryu » Tue Mar 18, 2014 11:26 pm

linuxmachine wrote:Bay area = software developer earning 100k out of college? It's pretty viable... and can explain the CL :)


Jesus Christ.....I quit......LOL

Kaiokenryu
Centurion Member
Centurion Member
 
Posts: 106
Joined: Tue Jul 09, 2013 12:25 am
Location: atlanta

Postby Kaiokenryu » Tue Mar 18, 2014 11:32 pm

benhollberg wrote:All the cards in my signature I had when I was 22, now 23. That Costco AMEX was $22k limit alone and I don't have income of $100k, not near that. You don't have to have super high income to receive cards like that, a perfect history and payment helps a lot.


I'm still trying to process this.....I keep coming up with the same error message as trying to divide by zero. Its doesn't equate to me entrusting someone with 30K of non collateralized credit who makes 20K (not saying you make only 20K) and has a 750 credit score. (not saying your score is such either) I guess my humility was my achilles heel 15 years ago. I also didn't know what I know now.

linuxmachine
Centurion Member
Centurion Member
 
Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Wed Mar 19, 2014 12:10 am

Kaiokenryu wrote:I'm still trying to process this.....I keep coming up with the same error message as trying to divide by zero. Its doesn't equate to me entrusting someone with 30K of non collateralized credit who makes 20K (not saying you make only 20K) and has a 750 credit score. (not saying your score is such either) I guess my humility was my achilles heel 15 years ago. I also didn't know what I know now.


I saw a post elsewhere where he mentions he runs a business. Perhaps his spend is high despite a 'humble' income :-)

beef.stu
Centurion Member
Centurion Member
 
Posts: 122
Joined: Wed Dec 26, 2012 12:03 am
Location: Bay Area

Postby beef.stu » Wed Mar 19, 2014 2:12 am

If your monthly spending is low for gas, groceries and bookstores/amazon id recommend the sallie mae world mastercard. Its 5% back in all of those categories with the only drawback being low caps for each category (250 for gas, 250 for groceries, 750 for bookstores)

I applied for it a couple days ago since freedom's 5% cash back on gas was going to expire at the end of this month and I have to buy some books soon for my next quarter at school.
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature



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