Credit and Credit Card Advizes

[ROCKETW19]

So I am currently in the process of trying to select another credit card. I currently have capital one platinum. Keep getting offers from different banks. Got some from chase, one from citi and a couple from Amex (green and gold). I also bank with SchoolsFIrst Credit Union, but won't qualify for their credit cards unless I get a co-signer because, being a barber and all, I get cash and dont pay taxes :D

Anyways. I had my credit score checked by this company (scoresense.com). I wouldnt recommend using them, and opt for myfico.com, but I didnt do my research before using scoresense. Any ways for having relatively new credit it isn't bad. Fair-good depending on the CC company you use and what they consider to be good credit. my three scores were EQF649 TU649 EXP681.

I know there are some people I would imagine to be financially savvy (Scrum?) and would appreciate some advice. But not from ROcket since he loves to blow his cash on big lifts for his big red firetruck of insecurity on wheels :P :panic:

Been doing tons of research on the best card for me right now but could use some more insight from some more knowledgeable people.


Going to call my credit union and see their requirement since I dont get paper checks, but hopefully i can use a co-signer.


Thanks in advanced guys :panic::panic::weights:

I didnt red the whole thing or the responces but I will put my 2cents in.

get what every card you want use it for everyday stuff and do not pay it off end of month pay half or something also never go past half your limit

you have 650 credit score that is not good you need to build credit what I posted above will build credit.
after you have "A" paper then you will have the best choices on cards and rates

[COLOSSUS]

I didnt red the whole thing or the responces but I will put my 2cents in.

get what every card you want use it for everyday stuff and do not pay it off end of month pay half or something also never go past half your limit

you have 650 credit score that is not good you need to build credit what I posted above will build credit.
after you have "A" paper then you will have the best choices on cards and rates

Thanks rocket!:panic:

[FitnessBrat]

But not from ROcket since he loves to blow his cash on big lifts for his big red firetruck of insecurity on wheels :P :panic:

I didnt red the whole thing or the responces but I will put my 2cents in.

So you didn't read that part? :D

[COLOSSUS]

So you didn't read that part? :D

:slap: :rofl:

[ROCKETW19]

Colossus, have 1 card and pay it off regularly. Use a credit card for convenience, not to live beyond your means.

Also, I can tell you that I have never kept a balance in my life and my credit rating is as good as it can be.

then just use debit card!
I personaly use CC for stuff i do not wanna pay for. making a payment seems lie it is free to me other than going and handing over 5K.
this is just me and I can not wriye a check for Rados house so maybe wrong but that is how I see things,lol

[ROCKETW19]

So you didn't read that part? :D

lol. funny but i would bet other than Beast I know most about credit as i use it more than anyone ion the damn world,lol

beast pretty much said same stuff i did and belive me it is true.

never max out your card, never make min payment, never pay off in full end of month and always use it.
this will bump your score up the fastest.

now this dont aply to scrum as he is not worried about credit of money he uses for ease of use but what I posted is what will build credit. before the market crashing I had 801 avg score.
Not many people have that or even heard of that