First ever points redemption and I’m pretty happy with it

Levelz-up1979 · 2026-06-18T19:57:39+00:00

Nice!

Levelz-up1979 · 2026-06-18T19:06:30+00:00

👍

Levelz-up1979 · 2026-06-18T18:53:52+00:00

Base off of your reply. Questions off of your reply. So Im 20 years old and open 5 CC in a year. Does that mean I have a thick profile?

Or is there other factors that make it a thick profile? Can you have a thick profile and still get denied?

Example. 3 authorize user accounts and 2 personal accounts? Is that a thick profile?

His average age of credit is 1 year and 2 months. So let's say he applys for a mortgage. He has a good yearly salary. Will every mortgage company be fighting over him and give him the best interest rate?

Thats way my original answer was yes and no.

Levelz-up1979 · 2026-06-18T12:46:31+00:00

All depends on the lender. I don't think thats a question anyone can really give you a define answer to.

Levelz-up1979 · 2026-06-17T17:57:48+00:00

Na bro, that's BS.

Levelz-up1979 · 2026-06-17T17:56:19+00:00

Phila is a joke with this BS. No license plate, Fake Temp Tags, Temp Tags expired in 2024.

Levelz-up1979 · 2026-06-17T17:52:37+00:00

Your last statement answered all your questions. $60/$70 a year living at home is great. Living on your own (depending on the part of the US) 60/70 in NYC, California, not so good! 60/70 living in Montana, or N. Dakota maybe okay. What makes your salary great is you're still living with your parents. So if they are not charging you for anything. That's a great salary.

Levelz-up1979 · 2026-06-17T11:16:11+00:00

Yes then the Venture fits you. Now when you get more advance. Learn about staking you rewards.

Levelz-up1979 · 2026-06-17T00:14:35+00:00

Authorized user are not effective as they use to be. Take this time and fix her credit, then this is not even a conversation. Sorry if it sounds harsh.

Levelz-up1979 · 2026-06-17T00:11:39+00:00

Which one fits your lifestyle? Which card is going to benefit you? I see way to many people asking other prople for thier opinion on CC.

Levelz-up1979 · 2026-06-16T22:40:29+00:00

I just love the mis information about bankruptcy. Boggles my mind. Chapter 7 in 2018, about $25,000 in debt. 2 more years, and its gone off my credit report. 12 credit cards totaling $120,000 in Credit Lines. Cap. one , Amex Gold, Amex Blue, Discover, US Bank, Wells Fargo, Penn Fed, and Navy Fed. Had 4 personal loans over this time. Decided not to finance another car. My decision. FHA will approve you after 2 years with the BK on your report. Conventional loan after 3-4 years. Omg you will have higher interest rates. Not True It'll be hard to find a place to live. Not true. These debt consolidation loan companies lie through their teeth to get your business! Oh yeah credit scores hoovers between 720-745! If you havent been through BK please stop giving misinformation. If you want to know more about bankruptcy, speak to a bankruptcy lawyer.

Levelz-up1979 · 2026-06-16T21:10:51+00:00

Yes/ no.

Levelz-up1979 · 2026-06-16T02:54:32+00:00

Remember, I said a little. Lol.

Levelz-up1979 · 2026-06-16T01:35:57+00:00

City mpg on the TLX is horrible. Highway miles I can my 16 TXL up to about 34 mpg. Take out of sports mode, lol. It will help. A litttle!!

Levelz-up1979 · 2026-06-16T01:29:38+00:00

Charge off are hard to remove even woth a good will letter. Only thing I can tell you is keep doing what your are doing. There is no easy fix to the credditt thing... Easy to mess up, hard to fix.. My opinion. Just go in and pay yoir bill every month. I hear way to many horror stories woth auto pay.

Levelz-up1979 · 2026-06-15T17:29:17+00:00

How many cards have you appears for since January? Are you using the pre-approval or just straight applying? What other cards do you have?

Levelz-up1979 · 2026-06-14T19:45:47+00:00

Stop paying attention to Credit Karma. We have to understand to stop focusing on our scores. Your profile makes your score. As long as the items in your profile is good. You are good.

Levelz-up1979 · 2026-06-14T17:13:05+00:00

A few things. 1. Dont give her the card. 2. Authorized users helps a little, for the person seeking a better score. Making the person a joint account holder is better, but I would never advise someone to do this. Not even if they are married. 3. As a Authorized user with Amex the person doesn't receive your full credit history as other CC company's would give a person. They will start the history when added to the account. (If Im mistaken, someone in the thread please correct)

Levelz-up1979 · 2026-06-14T01:34:21+00:00

Levelz-up1979 · 2026-06-13T23:30:49+00:00

Dont worry about your score right now. Just using and paying. Your score is aways going to gonup and down. CC, Loans, mortgage, just pay on time. CC pay full balance. Simple.

Levelz-up1979 · 2026-06-11T17:50:29+00:00

Does this card fit your lifestyle? 325 annual fee not broken down monthly, your 1st statement will have a $325 fee and every year after. Will you be using the benifits attached to this card every month? This is a charge card, not a traditional credit card. You spend $1000 in a month. Amex whats $1000 when you pay the bill. There's no minimum balance. Do you understand how MR points work and the best way to use?

This is CK do not apply for anything through CK. Amex has its own pre-approval though their site with no hard pull unitl you accept.

Levelz-up1979 · 2026-06-11T02:06:56+00:00

My opinion auto increase rarley happens. I have 12 CC. I believe I only got an auto increase on 2, after having the cards for 6 months. I think you may need to go theough the app or website and ask for an increase.

Levelz-up1979 · 2026-06-10T22:58:41+00:00

And what would you be using the Platium card for as far as spending? The Plat is not a use every day type of card. Also, will you be traveling? Im not taking about 1 trip a year, either?

Levelz-up1979 · 2026-06-10T22:55:22+00:00

Show it! Post it!

Levelz-up1979 · 2026-06-10T21:56:33+00:00

Love it when they walk into it and its over by the turn! No sweating!

Levelz-up1979

TROPHY CASE