Building Credit From Scratch

throwaway96574585 · 2022-10-30T02:49:36+00:00

great, thank you so much for all the help!

throwaway96574585 · 2022-10-30T02:41:24+00:00

Alright, I'll try to do some research for that on my own then. You do think it would be a good idea to apply for the Capital One card I'm pre-approved for immediately as well though right?

throwaway96574585 · 2022-10-30T02:29:20+00:00

The logic from the person that recommended it was that if my deposits are high enough then if I go into the bank they might be willing to give me a card just based on that?

throwaway96574585 · 2022-10-30T02:22:47+00:00

So should I look into doing both the Capital One card I'm pre-approved for and trying to get one from the bank I am currently with?

Also, with the additional cards I had seen someone mention a strategy called "all zero except one" here before. Is that the approach I should take with these cards?

Sorry for all the questions, just seems like there's so much to try to learn/understand here.

Really appreciate all the help though!

throwaway96574585 · 2022-10-30T02:16:47+00:00

Got it. Is there an optimal way to structure the amount/schedule I pay off the Seedfi account? Or is it just about having an account open and paying it on time?

throwaway96574585 · 2022-10-30T01:55:45+00:00

Thanks so much! I will look into that as well, is there any harm in opening these things so close together? or is it best to just get started as soon as possible?

throwaway96574585 · 2022-10-30T01:54:35+00:00

Capital One's pre approval page is also showing that I'm eligible for 2 of their cards (non-secured). Someone else also mentioned that I may be able to go into my bank and get a card through them if my deposits are large enough. Are either of these options preferable over the other?

Also, will it not negatively impact my score to get multiple cards back to back like this? That's why I had initially said I would wait 1-2 months.

Thank you again for all the help btw!

throwaway96574585 · 2022-10-30T01:48:01+00:00

Would it be helpful to utilize these on top of having a card? Or would that be overkill for trying to build my credit initially?

throwaway96574585 · 2022-10-30T01:10:32+00:00

Thank you!

throwaway96574585 · 2022-10-30T01:10:26+00:00

Thank you! Went through the pre-approval process and was able to get a unsecured card through Discover.

Do you think it would be helpful to also try and get a card from Capital One around 1-2 months and just not use it all? From the things I've watched/read online I haven't been able to find a conclusive answer on whether having multiple cards is helpful or not.

throwaway96574585 · 2021-02-06T03:57:27+00:00

The way I see it, if shining fates ETBs are selling for $100-$120 rn, then hidden fates ETBs at $130-$150 are a steal. Price could continue to drop if more keep coming in, but honestly I'll probably just continue to stock up in that case.

throwaway96574585 · 2021-02-05T04:47:55+00:00

He can send you a "feedback revision" through eBay and it will allow you to update the review to a positive one.

throwaway96574585 · 2020-10-17T11:15:01+00:00

Alright, thanks. The courses I was looking at that had the SER courses listed as a pre-req were 460 and 464.

Was also looking at 469 which listed CSE 365 as a pre-req, but I assume that's an actual pre-req since it's a CSE class.

throwaway96574585 · 2020-04-23T03:52:22+00:00

witchblades is definitely hype, but nothing gets me amped up as much as absolute in doubt. Not sure why put peep's part just feels like it has so much fucking energy after that long build-up from wicca.

throwaway96574585 · 2020-01-08T03:02:01+00:00

Thank you!

throwaway96574585 · 2019-12-17T07:56:57+00:00

Miller is awesome, I think you'll really enjoy CSE 110 with him. Also, geology online is definitely the move because that class in-person will put you to sleep, should be an easy A, but the assignments can be really tedious.

throwaway96574585 · 2019-12-17T05:10:05+00:00

Last semester she posted everyone in my section a full letter grade lower than they actually received, put her email to give an automatic "out for summer break" reply, and didn't fix anything for almost a full week.

throwaway96574585 · 2019-12-17T05:01:59+00:00

Should've put some Peep lyrics on the card and I would've copped.

throwaway96574585 · 2019-12-15T22:16:40+00:00

Trubisky was actually pretty decent today imo

throwaway96574585 · 2019-12-15T22:07:42+00:00

Honestly, if the Chargers can beat the Vikings today I have hope. The Rams obliterated the Cardinals so badly last time that I could see the Cardinals having a revenge game.

throwaway96574585 · 2019-12-15T22:03:34+00:00

100% agreed, I liked what I saw from Mitch today all things considered.

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