MemberSince99 wrote:Congrats I'm glad it's working for you.
I thought about it, and I'm not the type of customer they want. I refuse to carry a balance on any card. I think it's really a matter of I'm just not what they are looking for, and vice versa really.
But I'm glad it is working out well for you and congratulations.
I totally understand about not carrying a balance thing either, but with me I always let everything report ZERO before. After doing more research I hear more and more of people should put a 1-10% utilization for higher credit scores so I am going with that for now. And the thing is I will not be paying ANY interest because I will pay my statement the day I get an email from Discover saying that my new statement is ready for me.
And while I say will not be paying interest I am thinking about my future right now, I am 20 years old and I am starting an internship with a super major this june and hopefully will be offered a full time position for when I graduate next may and I understand that things can and probably will go wrong and their maybe a time where I will be forced into a situation where I will be carrying a balance and I want to work with all the companies I am with now to get everything as low as it can possibly go just in case something ever does happen. I will not be buying a home any time soon because in my culture there is no rush in moving out, my parents are never going to tell me "get out" and I love it because I love my mom and dad and living with them has been a privilege and when I do finally start making good money my parents know that they can depend on me to pay the bills.