My Credit Story

For just about anything you want to get off your chest about credit cards.
4 posts
mcfly97
Green Member
Green Member
 
Posts: 4
Joined: Fri Apr 05, 2013 12:29 am
Location: Connecticut

My Credit Story

Postby mcfly97 » Fri Apr 05, 2013 1:24 am

First i would like to say hello to everyone, I've been searching these forums for a bit now but finally decided to join. :)

I'm a 19 year old currently working full time as a server at a well known steak house making 35k+ annual . I started my credit journey just about a year ago when i took the plunge on my first card, March 2012 Instant approval 2k limit on a Wells Fargo Platinum Visa.

I had my sights set high for my next card. After gardening for 5 Months applied online for American Express Hilton HHonors Surpass, Check app status right after and was approved 2k. After searching down how soon after i could get my hands on another Amex, I App'd for the Pemier Rewards Gold Card in October 2012 was also approved called and added 3 AU and had all the cards expedited :)

In December 2012 I Tried my luck again for the Chase Sapphire Preferred card and was DECLINED, i called and tried to recon but since i only had 9 months history and nothing with 5k limit was still declined

In January i had took about 4 HP for auto loans so that effected my score a bit, even after i didn't take any of them i decided to fix my car, which caused me to run a high balance, also effected my score. so I've been in recovery since. I recently app'd for Citi Diamond Preferred card on March 31st and was approved with 2.5k CL.

So thats my year in credit id like to hear feedback and options. Future goals are to definetly obtain a CSP and to upgrade form Gold Amex to Platinum when i start traveling more often to make up for the $450 AF and probably get some airline card aswell
Wells Fargo Plat.[2K]
American Express Hilton Surpass[2K] ; PRG [NPSL]
Citi Diamond Preferred[2.5k]


mdl28
Centurion Member
Centurion Member
 
Posts: 211
Joined: Thu Mar 21, 2013 10:18 pm
Location: TX

Postby mdl28 » Sat Apr 06, 2013 9:30 pm

Nice story, you're doing great. Keep it up. I would not do the Amex Platinum, unless you are going to be flying a few times a week. You will lose a lot of rewards points vs using your current gold prem'r rewards. Platinum is awesome for its vip lounge access ar airports along with some other nice "benefits" but less " points ".

Good luck on everything
MDL

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

mcfly97
Green Member
Green Member
 
Posts: 4
Joined: Fri Apr 05, 2013 12:29 am
Location: Connecticut

Postby mcfly97 » Sat Apr 06, 2013 11:51 pm

thank you mdl28 for taking the time to read this, when the time comes ill make a decision. i just know i dont want to be paying $625/year for both cards
Wells Fargo Plat.[2K]
American Express Hilton Surpass[2K] ; PRG [NPSL]
Citi Diamond Preferred[2.5k]

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Apr 07, 2013 3:38 pm

Actually the original poster said they'd wait to upgrade to Plat until it would pay off already.

Since you didn't ask for advice (and don't need it) I'll just say good job and congratulations and keep up the good work. And welcome.



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