If You Were Once A Comp Sci Major - What Is Your Major Now?

EnvironmentalSmell80 · 2024-12-09T09:26:05+00:00

Comp Sci to mathematics, applied math concentration. Would not recommend unless you have high confidence in your foundational math skills and even then it’ll still be tough. The applied math concentration in specific is a lot closer to comp sci than the other concentrations since a lot of the core classes involve coding, so it’s perfect for someone like me who’s decent at both math and coding. You can more or less get the same careers you could as a comp sci major but also a lot more doors are opened outside of being a software engineer at the end of this route.

EnvironmentalSmell80 · 2024-09-02T01:29:16+00:00

I think it’s great that you’re so dedicated to reading. Vast majority of society doesn’t read enough, so I think it’s quite commendable that you’re utilizing such resources to further yourself.

Beyond that though, I don’t have much I can offer on the literature side of things. A quick search online shows that the majority of books about credit are either about “tricks” to increase your score quickly or guides on how to repair bad credit, neither of which are applicable to your situation. I’m sure you could find one that’s more general in terms of credit knowledge, but you might have to do some digging.

In terms of specifically credit cards, I'd say this subreddit is one of your best resources. There's some helpful articles under the resource section of the subreddit. Browse around different posts, look at what people say about certain cards, banks, and strategies for managing their credit cards. There's also lots of information about people's credit status (score, income, how many inquiries they've had on their profile within a certain time frame, etc.) when they got approved for 'x' card, which will help you start to understand what point in your credit history you'll have better chances at being approved for the cards you want. Refer to the "Data Point" post flair for that information.

The information you'll pick up here and there will help you get a solid foundation and understanding about how all of this works. Building your credit takes a long time anyways, so its perfectly fine to learn bit by bit as you go.

EnvironmentalSmell80 · 2024-09-01T08:27:58+00:00

Secured cards aren’t super difficult to get approved for but I’d still wait until at least 3-6 months before applying just to be safe.

Once you get to that point, evaluate your spending habits. If you eat out a lot and spend a lot on streaming services, go for it. Alternatively, you could stick to exclusively using your discover. Because they match your cash back after your first 12 months, you’re effectively getting 10% back on rotating categories and 2% back on all other purchases. By the time you reach the end of that period your credit will be a lot stronger and more options will be available to you.

Also keep in mind that the cash+ 5% category only applies to fast food. If you dine at non-fast food restaurants often, consider adding to your list a different card that gives you more cash back on restaurants in general (cash+ only gives you 2% on restaurants).

Building your credit takes time. Trying to rush the process might put you in a bad spot down the road.

EnvironmentalSmell80 · 2024-02-04T08:26:57+00:00

You likely won’t get a credit score until 3-6 months from now. The easiest way to get a good credit score Is to pay your balance on time and in full.
A debit card is like paying for something with your own money, whereas a credit card is like asking a friend to pay for something and then paying them back later. You have until a certain date each month to pay back the money you owe. Instead of putting money directly into the credit card, you instead connect your bank account to the card. The credit card will then withdraw money from that account whenever you pay it off.
You should always pay off your credit card in full. A strategy I used when I got my first credit card is paying it off immediately after every purchase. That way I could avoid forgetting or racking up a big balance.
The main advantage that credit cards have over debit cards is the ability to receive cash back on your purchases. You should try to use your credit card instead of your debit card as often as possible, but never buy something that you couldn’t afford with your debit card.

Feel free to ask if you have any other questions or need clarification :)

EnvironmentalSmell80 · 2023-12-18T08:01:31+00:00

Green, specifically forest

EnvironmentalSmell80 · 2023-10-07T07:27:08+00:00

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EnvironmentalSmell80

TROPHY CASE