Comments on: My First Credit Card…continuing the saga http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/ Sat, 20 Mar 2010 15:34:03 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Why I Don’t Think I Would Have Done As Well If I Had To Work My Way Through College http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-19034 Why I Don’t Think I Would Have Done As Well If I Had To Work My Way Through College Thu, 29 May 2008 15:01:42 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-19034 [...] scared me in college too, which is why I always spent less than I made and never tried to have a credit card. The money I did have, I was able to either spend occasionally with my friends/for crafting or give [...] [...] scared me in college too, which is why I always spent less than I made and never tried to have a credit card. The money I did have, I was able to either spend occasionally with my friends/for crafting or give [...]

]]> By: wealthy_1 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12413 wealthy_1 Sun, 24 Feb 2008 21:31:34 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12413 When I tried to get off of my husband's credit card, he was told that he would have to close out that card and open an new one in his name. I hope the two of you will have an easier time of it. When I tried to get off of my husband’s credit card, he was told that he would have to close out that card and open an new one in his name. I hope the two of you will have an easier time of it.

]]> By: Funny about Money http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12144 Funny about Money Fri, 22 Feb 2008 05:27:45 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12144 Might want to try getting a retail store credit card. Talbot's, for example, practically throws credit at its customers. Go in when they're having a smokin' sale, buy one (count it, 1) shirt on sale, and apply for a card while you're buying. They usually approve you while you're standing there. Weirdly, sometimes more upscale stores have easier credit. It can be easier to get a card at Saks or Nieman's than at Penny's or Sears. Maybe they just figure those rich folks are good for the debt??? Saks has some incredible sales, especially right after Christmas, when very nice stuff can be had for good prices. If there's a Costco near where you live, you might also consider applying for AMEX thru' Costco. You get a little kickback on purchases, there's no annual fee, and the card doubles as a membership card. Drawback is that you DO have to buy a Costco membership. Might want to try getting a retail store credit card. Talbot’s, for example, practically throws credit at its customers. Go in when they’re having a smokin’ sale, buy one (count it, 1) shirt on sale, and apply for a card while you’re buying. They usually approve you while you’re standing there.

Weirdly, sometimes more upscale stores have easier credit. It can be easier to get a card at Saks or Nieman’s than at Penny’s or Sears. Maybe they just figure those rich folks are good for the debt??? Saks has some incredible sales, especially right after Christmas, when very nice stuff can be had for good prices.

If there’s a Costco near where you live, you might also consider applying for AMEX thru’ Costco. You get a little kickback on purchases, there’s no annual fee, and the card doubles as a membership card. Drawback is that you DO have to buy a Costco membership.

]]> By: PiggyBankBlues http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12109 PiggyBankBlues Thu, 21 Feb 2008 23:24:00 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12109 sounds like you're on the right track! did you apply for an amex credit card or charge card? you might have better luck with an amex charge card. later in the year you may want to try an easier company, like capital one or chase. amex isn't the easiest company to get a card from... sounds like you’re on the right track!

did you apply for an amex credit card or charge card? you might have better luck with an amex charge card. later in the year you may want to try an easier company, like capital one or chase. amex isn’t the easiest company to get a card from…

]]> By: Jesse http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12099 Jesse Thu, 21 Feb 2008 21:29:54 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12099 Congrats, now just don't get addicted to plastic! (though Im pretty sure you wont :) ) Congrats, now just don’t get addicted to plastic! (though Im pretty sure you wont :) )

]]> By: RacerX http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12087 RacerX Thu, 21 Feb 2008 19:08:27 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12087 Just as a heads-up FICO 08 places de-emphasis on shared history compared to before...it still counts but some were buying history from those that had a great score and floating theirs. Use this as a start and establish your own as well! Good for you! Just as a heads-up FICO 08 places de-emphasis on shared history compared to before…it still counts but some were buying history from those that had a great score and floating theirs.

Use this as a start and establish your own as well!

Good for you!

]]> By: Randall at CreditWithdrawal http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12079 Randall at CreditWithdrawal Thu, 21 Feb 2008 17:50:34 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12079 Maybe you can do the same trick mentioned earlier, get added to your parent's card, but don't have access to it?? Wonder if that would boost your rating quick?? (Assuming your parents would add you) Maybe you can do the same trick mentioned earlier, get added to your parent’s card, but don’t have access to it?? Wonder if that would boost your rating quick?? (Assuming your parents would add you)

]]> By: mrsmicah http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12077 mrsmicah Thu, 21 Feb 2008 17:14:17 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12077 I actually did apply for one in college but didn't get it. I should have tried for an explicitly student card. I actually did apply for one in college but didn’t get it. I should have tried for an explicitly student card.

]]> By: plonkee http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12071 plonkee Thu, 21 Feb 2008 16:21:49 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12071 I was wondering whether you wish you had applied for a credit card whilst in college, where anecdotally they are easier to get. Of course, hindsight is a terrible thing, but I can't imagine you being anything other than ridiculously sensible with a credit card. I was wondering whether you wish you had applied for a credit card whilst in college, where anecdotally they are easier to get. Of course, hindsight is a terrible thing, but I can’t imagine you being anything other than ridiculously sensible with a credit card.

]]> By: Becky@FamilyandFinances http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12062 Becky@FamilyandFinances Thu, 21 Feb 2008 14:42:11 +0000 http://financefreelancelife.com/2008/02/20/my-first-credit-cardcontinuing-the-saga/#comment-12062 Oh, and I'll verify what others have said. When I got added to my husband's credit card, only that card showed up on my report. His mortgage, his old student loans, and his other credit cards are not on my report and my old mortgage and my credit cards are not on his report. I've been waiting to see what you decided to do - thanks for the update! Oh, and I’ll verify what others have said. When I got added to my husband’s credit card, only that card showed up on my report. His mortgage, his old student loans, and his other credit cards are not on my report and my old mortgage and my credit cards are not on his report.
I’ve been waiting to see what you decided to do – thanks for the update!

]]>