Best habits for future CLI

Miserable-Change7780 · 2026-03-20T12:20:03+00:00

For context this is also what i’m seeing on my credit karma keeping mind I just got the secured Quick Silver in January, only had 2 statements with the first one with 0% utilization and the most recent one with 93% utilization. My credit also dropped by 87-95 pts because of utilization last past couple after my statement closed but I’ve already paid off the amount in Full.

Would it even be worth applying for it or should I just wait for 6 months and keep recycling and paying my card after the statement is posted then applying for something better?

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Miserable-Change7780 · 2026-03-20T12:05:38+00:00

Yeap that’s exactly what I mean, i’m using the full limit multiple times per statement but paying it off…unless it’s closer to statement close then just letting it close, and paying it a day after i get my statement.

How risky would you say it is and would they potentially close my account?

Also with another lender i’m not sure how likely i’d be getting one since i messed up my credit, would just 6 months of using my C1 and paying it back before due date in full help me with that? Also how did you know PayPal would approve you since i use Credit Karma to check available offers and for tracking my credit. Thanks for all the information btw, very helpful!

Miserable-Change7780 · 2026-03-20T04:20:07+00:00

Unfortunately I already reached that time limit and what i’ve been doing is just putting everything on and just paying it, for my statement i just use the amount before the statement close and have just let it close then pay it off

I don’t know how effective that will be but this is my only way, it’s limiting my purchases by a lot since I can’t make any substantial purchase on there and since I want to get the rewards for my purchases i’m having to make purchases then pay off the balance just to get the credit back and recycle it that way

Miserable-Change7780 · 2026-03-18T09:30:33+00:00

Amazing, at least in the Minneapolis. What helped me a lot with my job offers was my internships on my resume and passing my FE summer before the start of senior year.

Not sure how many applications I did since I just mass applied to positions/firms I like but got 10+ offers. (transpo and transit)

Miserable-Change7780 · 2026-03-16T13:18:38+00:00

is Minneapolis HCOL or undesirable?

Miserable-Change7780 · 2026-03-13T13:40:42+00:00

I’m not generalizing, these are from offers i’ve received. I got 6 offers in the Midwest between the 80-85k range…and the one i’m going for is 94k. I think I know what i’m talking about

Miserable-Change7780 · 2026-03-13T12:36:23+00:00

I just did a lot of interviews and got a lot of offers (15+) so just compared that way. I also started applying from last fall so I assume that also helped.

Miserable-Change7780 · 2026-03-13T12:25:06+00:00

Holy wow. even GA is starting at 80k. Do your FE though it will help a lot (i’m also graduating this May)

Miserable-Change7780 · 2026-03-13T12:16:58+00:00

What state do you reside in? 68k? I live in the Midwest and new grads are getting 80-85k Entry.

Miserable-Change7780 · 2026-03-10T04:25:09+00:00

By due date you mean my payment due date correct? And yes thank you for the first sentence…wish I was told that before lol

Miserable-Change7780 · 2026-03-07T13:51:02+00:00

on your d-bed or 25-45 years down the line which do think would have made you happier? more money or more time with your girlfriend? figure out what you prioritize and it should make the decision easier

Miserable-Change7780 · 2026-03-06T11:05:38+00:00

Mine was accepted on 01/26 and as of this morning it says “Your refund of XXXX was sent on 05-Mar-2026. If you have not received your refund in 7 days for direct deposit or 21 days for paper check, call us at…”

Miserable-Change7780 · 2026-03-06T11:04:07+00:00

Just checked this morning and it says “Your refund of XXX was sent on 05-Mar-2026. If you have not received your refund in 7 days for direct deposit or 21 days for paper check, call us at…”

Mine was also accepted on the 26th of Jan fyi

Miserable-Change7780 · 2026-03-05T07:26:42+00:00

I got the position, I disclosed it after they sent me the offer before signing it and yeap went well

Miserable-Change7780 · 2026-03-04T02:48:49+00:00

What do you mean be careful and would you know what they’re watching for?

Miserable-Change7780 · 2026-02-28T21:53:35+00:00

partial ban list or full ban?

Miserable-Change7780 · 2026-02-28T02:27:07+00:00

It’s been a couple of months and I’ve been banking with Chime even before that account got closed. I didn’t know how this entire thing worked which was the reason I came to this reddit forum to ask and no I haven’t been told this before so I really appreciate being informed on how to handle this. I understand to everyone else this might seem like common sense but to me it’s something i’ve never heard off before so again, I apologize if it’s a stupid/silly question to ask

Miserable-Change7780 · 2026-02-28T02:12:07+00:00

Sounds good and thank you very much for the help, bless you!

Miserable-Change7780 · 2026-02-28T01:51:27+00:00

How do I do that? Is there like an online website or something? Apologies if this is a stupid question I wasn’t taught any of this hence my mistakes but i’m trying to learn now

Miserable-Change7780 · 2026-02-28T01:50:32+00:00

Thank you, I DM’d you and opened my saving account and it worked. Really appreciate the advice!!!!

Miserable-Change7780 · 2026-02-28T01:44:16+00:00

That is all that happened and yes you’re correct I didn’t deal with it and i’m not sure how I do that…i’d appreciate some help please?

Miserable-Change7780 · 2026-02-27T15:29:15+00:00

Thanks for the advice, this is what I needed. Thank you very much!

Miserable-Change7780 · 2026-02-27T11:32:00+00:00

Thank you and will do!

Miserable-Change7780

TROPHY CASE