- Mar 2, 2013
- 2,303
- 2,538
for lounge access its platinum or bust
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
- Feb 29, 2008
- 3,667
- 2,457
So if I get the secured Discover card does the $150 cash back if I spend $750 still apply? Or is that only for the regular credit card?
- Feb 29, 2008
- 3,667
- 2,457
And I figured out why I got denied. My credit score is a 541 :x. I've got a medical bill from Aug 2013 I forgot all about. It's like $600 and it went to collections. I don't have any info on the collections agency how do I go about paying it and getting this off my credit?
Last edited:
- Jan 17, 2013
- 7,978
- 6,840
Have a question, I currently have a secured Cap 1 card. I was reading that I would have to close my secured card cuz they don't "graduate" you secured to unsecured which would ruin my credit history. is that true? I mean ive spent the last year building my score up pretty good, If I close this account, it will no longer be my longest open account on my credit file. now I cant go unsecured while keeping my history with card? kinda crappy, can anyone shed light on this?
- May 8, 2012
- 10,486
- 7,202
Keep the accounts open. The older and greater the available credit your have, the better it is.
Yes, technically. But you shouldn't go crazy and have 50 open accounts. Obviously you want to have just enough. Anywhere between 7-9 accounts are good IMO.
Sounds like you want the Amex Platinum, because of the airport lounge access. Look through all the benefits offered from the platinum and see if the $450/year fee will be covered with your spending.
I've never used a secured card before, but I can't imagine why they can't keep that card on file. If I were you, I'd keep that account open and look to get a card from someone else. Capital One is a fairly new credit card company. Look to get a Chase card. They have arguably the best credit cards right now.
Last edited:
- Apr 4, 2008
- 74,937
- 24,349
I just got a Freedom card. Got approved on the spot. 15 months no APR.
- Jan 17, 2013
- 7,978
- 6,840
yea I might have to look into another company. im goin to keep using my secure for prolly another 6 months for more boost on the score before trying to jump on with an unsecured. thanks
- Feb 5, 2011
- 4,292
- 1,192
me too 100 dollars cash back for the first 300 you spend is pretty sweet
- Aug 21, 2005
- 8,906
- 2,685
Your going to have to get someone to repair/remove it or go hit up that Medical facility and work something out but make sure you have record and written statement of them willing to remove it if you pay it off. That should be easy to get off.
Ive got a damn speeding ticket on my credit file which I paid off initially but "apparently" they have no record of me paying it so they sent it to collections so I paid it again (was only $161). They still havent removed it and are saying its going to stay there for 7 years. ***** I need to find that initial receipt and get that off unless credit repair can before
.
Last edited:
- Jul 18, 2012
- 12,997
- 5,248
Be careful... If u take that deal you hafta forgo the 15 months 0%... Devils n the details. You also hafta go through the specific link on slick deals or wherever else flamingo offers it.
I signed up for the 0% and called and *****ed before i ever even got the card and got the promotion tho so now i get both
Discover coo in my book.
- Jul 18, 2012
- 12,997
- 5,248
Def the move with the rotating 5% too. Although i see they give out lame limits for new customers
- Dec 14, 2003
- 8,076
- 3,507
The US needs to catch up with the Chip & Pin....
My SW Visa won't have one
My SW Visa won't have one
- Feb 18, 2007
- 5,561
- 3,850
said F it and applied for a AMEX platinum....got approved 
- Aug 1, 2009
- 5,544
- 655
How high of income do you have to have to be approved for Amex card
- Dec 14, 2003
- 8,076
- 3,507
I was making around 35000 when i got my first AMEX back in 2010.
It was this baby BTW
3 months later copped the gold.
- Aug 1, 2009
- 5,544
- 655
About to apply for the green card. Not sure if I will get approved or not. Little worried lol
- Dec 14, 2003
- 8,076
- 3,507
- Aug 1, 2009
- 5,544
- 655
To "get my foot in the door"
- Dec 14, 2003
- 8,076
- 3,507
What do you want out of your CC.... Points? Cash Back?
- Aug 1, 2009
- 5,544
- 655
First credit card too. I have good credit.
- Aug 1, 2009
- 5,544
- 655
Just the best deal for my first cc.
- Dec 14, 2003
- 8,076
- 3,507
The Green Card is a charge card not a credit card.
This is pretty solid for a first card
https://www304.americanexpress.com/credit-card/amex-everyday/25330
10,000 transfer points + No annual fee
This is pretty solid for a first card
https://www304.americanexpress.com/credit-card/amex-everyday/25330
10,000 transfer points + No annual fee
- Sep 16, 2010
- 5,189
- 7,409
Lexington Law.. They will remove it.Your going to have to get someone to repair/remove it or go hit up that Medical facility and work something out but make sure you have record and written statement of them willing to remove it if you pay it off. That should be easy to get off.
Ive got a damn speeding ticket on my credit file which I paid off initially but "apparently" they have no record of me paying it so they sent it to collections so I paid it again (was only $161). They still havent removed it and are saying its going to stay there for 7 years. ***** I need to find that initial receipt and get that off unless credit repair can before
- Nov 6, 2012
- 4,758
- 1,409
You can have collections removed by writing a Goodwill letter. No need to pay anybody.
- Dec 22, 2013
- 177
- 21
Is the Discover Student card easy to get? Im new to this credit thing and only have a Kohls Charge card but want something to use everywhere else
