- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
Shop-Just make sure you keep paying on time, don't overspend, and if you have a salary for example just charge how much you think you make in a month on the card. For example, I'm a student but I have a part time job as a waiter (for now) and a second job. I charge my current card about 400.00 out of a 700.00 limit, but I always pay it before the statement cuts, and use cash for a few days until after my payment is cleared and use my card throughout the month. Just always pay on time because 35% of it is based on payment history. Be careful, don't overspend, watch your credit like a hawk, and minimize any mistakes that you can (one late payment won't kill you, but 3+ will.) If all goes well, in 1-2 years you can apply for some better cards, maybe like a discover more, or citi forward, until then just keep at it, and eventually your credit will be okay, and life will be a little bit easier. This is pretty much what my parents told me (they both have scores that are 750+) when they explained how important credit is. Good luck.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.