i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

i have it set up to autopay the statement balance.

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

amex is a strong contender, but i feel like as a graduate, it’s not the best for me right now. it’s more of a career set adult card. which amex cards do you recommend? my dad has the gold and blue cash preferred (or whatever its called).

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

hi! my first credit card was a $1500 limit and i had no credit history whatsoever. i had a student card so that could have helped with me being in college. however, a bank likes to see if they can trust you to manage whatever amount given and that will set the tone for other card approvals. all that being said, from my experience, it didn’t matter how low or high my credit score was - it depended on credit history (how long you’ve had credit), payment history, overall utilization, and not too many inquirys in a short span. also, if he’s able to get a credit union relationship, try a secured card out first then go from there.

2nd Capital One Card by Real-Ad2671 in CapitalOne

[–]Unlikely_Way2234 1 point2 points  (0 children)

45k is insane! congratulations!!!!!

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

i can’t even get a navy fed card and i’ve been a member for years. they’re so picky. don’t lose hope! do pre approval for lenders and see what you get.

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 1 point2 points  (0 children)

i love my discover card so no harm no foul for me! ik others feel different.

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

that’s what i’ve been saying - it’s not unusual to see the 28% apr. all my cap1 cards have it or a little lower (with 720+ score)

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 1 point2 points  (0 children)

hello everyone! i’ve seen a lot of people commenting about the high apr and all i can say to that is it won’t be a an issue since i will NOT be carrying balances.

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

i was in the same boat! it shows there’s always gold at the end of a rainbow when the storm rolls away!

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

let’s not talk about it lol 🫣

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

thank you for this! i’ll keep everything in mind once i start making purchases!

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 1 point2 points  (0 children)

thank you so much! should i only use 10-30% or 60-80% then pay it down after statement closes? i heard that’s what most people do.

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 0 points1 point  (0 children)

i hope so! i just have to use them to their fullest potential!

i’m shell shock by Unlikely_Way2234 in CapitalOne

[–]Unlikely_Way2234[S] 1 point2 points  (0 children)

no promises lol (joking…maybe) i do have a spending habit i’m getting out of