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SVTPerformance's Chain of Restaurants
Road Side Pub
Advice with credit cards, and which ones?
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<blockquote data-quote="DSG2003Mach1" data-source="post: 16721597" data-attributes="member: 16477"><p>there are a lot of ways to go about it.</p><p></p><p>1) which brand doesn't matter. I would go on somewhere like nerd wallet and look at whats out there. Do you want to earn some cash back, travel points etc... some cards have sign up bonuses and such. I think they may give you a guide on what kind of score you need to qualify.</p><p>2) watch out for cards with annual fees, just be aware of them and what you get for what you pay</p><p>3) be honest about your self discipline - can you put everything on your card and pay it off every month or will you end up in debt?</p><p> 3b) if not, put some of your monthly subscription stuff on there, put it on autopay and lock the card away</p><p></p><p>I see some people saying to carry a balance, I have NEVER done that. Keep your credit utilization low - like under 10% or they start dinging you it seems</p><p></p><p>if you've been paying utilities and such in your name I believe thats what the Experian boost thing does - it looks at those things and adds them in. </p><p></p><p>I had some year end bills hit at the same time along with spending while on a trip, used ~15% of my available credit and the fools knocked me down 40 points which is insane imho but it'll recover in a month or two. I put EVERYTHING on my CCs but I pay them off every month. Following the above got me over the 750 mark pretty quickly, seems like you qualify well after that and now usually in the low 800 range. I don't care to play the game any further, I dont see a need</p></blockquote><p></p>
[QUOTE="DSG2003Mach1, post: 16721597, member: 16477"] there are a lot of ways to go about it. 1) which brand doesn't matter. I would go on somewhere like nerd wallet and look at whats out there. Do you want to earn some cash back, travel points etc... some cards have sign up bonuses and such. I think they may give you a guide on what kind of score you need to qualify. 2) watch out for cards with annual fees, just be aware of them and what you get for what you pay 3) be honest about your self discipline - can you put everything on your card and pay it off every month or will you end up in debt? 3b) if not, put some of your monthly subscription stuff on there, put it on autopay and lock the card away I see some people saying to carry a balance, I have NEVER done that. Keep your credit utilization low - like under 10% or they start dinging you it seems if you've been paying utilities and such in your name I believe thats what the Experian boost thing does - it looks at those things and adds them in. I had some year end bills hit at the same time along with spending while on a trip, used ~15% of my available credit and the fools knocked me down 40 points which is insane imho but it'll recover in a month or two. I put EVERYTHING on my CCs but I pay them off every month. Following the above got me over the 750 mark pretty quickly, seems like you qualify well after that and now usually in the low 800 range. I don't care to play the game any further, I dont see a need [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
Advice with credit cards, and which ones?
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