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My first credit card is a Wells Fargo secured with a $400 limit. I currently only use it for Netflix, Hulu, and gas. And I barely need gas so I usually spent a good $50 a month if I go out of town, $30-$35 otherwise.
I make a nice amount of money and my credit score is a good 650 on one, 660 on the other. I pay my bill monthly. But when might I be able to do that? Or should I stick with another secured one, same limit?
I'd wait a few months longer and see how much your FICO score rises after a few more months of consistent on-time payment before applying for a second card. Then I'd go for an unsecured card. You might look at cards geared toward students, as they tend to be a bit easier to get.
based solely on your history posts, you are not in a position to create more debt. Pay off and lower your debt ratio, Before going out there to apply for credit. You got the cart before the horse with this idea to have more credit cards.....
based solely on your history posts, you are not in a position to create more debt. Pay off and lower your debt ratio, Before going out there to apply for credit. You got the cart before the horse with this idea to have more credit cards.....
I'm not THAT stupid dude, male or female I call everyone dude btw, and I will be looking in the near future. I just don't know what credit score is necessary for an unsecured card.
Also that's kinda creepy, like were you going through everything I posted? Like this is really disturbing to read. Like, I'm getting the vibe since you did state 'solely on your history posts'. It's weird, man.
Also that's kinda creepy, like were you going through everything I posted? Like this is really disturbing to read. Like, I'm getting the vibe since you did state 'solely on your history posts'. It's weird, man.
Not weird at all.
It often helps to know the poster's history.
There are much, much more disturbing things in life.
If you do not do that then apply for a gas credit card. Use it for gas. This gives you a second source of credit. Could do the same for a store account.
My first credit card is a Wells Fargo secured with a $400 limit. I currently only use it for Netflix, Hulu, and gas. And I barely need gas so I usually spent a good $50 a month if I go out of town, $30-$35 otherwise.
I make a nice amount of money and my credit score is a good 650 on one, 660 on the other. I pay my bill monthly. But when might I be able to do that? Or should I stick with another secured one, same limit?
Go ahead and apply for the unsecured card. You'll get a higher rate, but as long as you pay the full amount every month, your rate does not matter.
I thank yall for the replies, besides the one who looked through my stuff (it's really weird to me), but I'm a bit ****ed now. Either way I'll keep this in mind when I fix my score again. Thanks again.
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