- Green Member
- Posts: 6
- Joined: Sun Nov 06, 2011 10:42 am
- Location: Southeast
This is my first time posting to this site. A little background- 21 years old, full time job, full-time student. Each one of my Parents have an 800-820 credit score, so the importance of good credit has been drilled into me since an early age.
I currently have one open card- a Capital One Platinum. I have had it open for 1 year. I've never made a late payment and I pay it off in full at the end of each month. As a result, they have raised my credit limit from $500 to $750 in the first 7 months, and lowered my APR to 24%. Yes, 24%. As you can figure, I only maybe put 15 or 20 dollars a month on that.
I would love to get a card with rewards and ditch the debit. I am looking for cash back rewards on items such as gas and groceries. I am not a big spender ($500-$700 month) and pay it off in full. I was reading money magazine, and they say the best thing to do is get the Chase Freedom. I'm sure that ad may be a little biased, though.
i would love to hear any advice on not only the Chase Freedom, but any other card suggestions. Also, would love to hear some advice on how to boost my credit score. Thank you.