dd50

You can do a DV at any time.

Since they are 5 years old they don't hurt that much.

Before you plan on paying any thing you should always DV first.

Congrats!

Why were you denied? Why couldn't you get a secured card? When I didn't have any credit on my reports I got one from CapOne. I used it all the time and paid it off. I then applied for others after about 6 months.

Wow, congrats!

PIF.

I have never notified them if income has went up or down. I would never include my kids income because it is theirs.

That's what I was thinking but I guess since she didn't BK they are now after her so now she is after him.

I think it depends on the teen. My daughter just turned 18 and I put her as AU on a few of my cards. I know that she will do well with credit as we have talked about it for years. She knows that I PIF every month and it I don't really have the money for the (whatever) thing I want I don't purchase it. My daughter that is 16 loves clothes and even though she has heard all the speeches I don't know if I would get her one.

But.. they do! They say, "Credit or Debit." (They wait for response.) Then, if for credit, at certain retailers, they say "May I see your ID, please." Why do they do that if they are not supposed to? I promise, certain retailers will decline the sale if you dont.. When they do I tell them "NO" but you can check my signature. The ones that get nasty with me I do report.

Why are you still using him?

Called and the rep said that I can't change but that I could apply for the other card. I asked if I would get denied because I just applied but she said "no". I do know from reading that you can't apply for two signature cards but I will wait for 6 months before I apply again for something. If I need the money I can always do a balance transfer to this card. Not ideal but it is what it is.

Yes, I was approved. I really don't want to apply for another card because I don't want it to drop my score even tho I don't plan on buying any thing big at this time. I usually apply every 6 to 8 months or so for a card that I really want.

What happened? I thought you were going for the Plat MC. The one with the 0% on purchases. If you are gonna app again why not app for the one you intended on instead of one that will pull 3 hards? I'm confused, am I missing something? Well, for one, it wouldn't be prudent to app back to back citi but unless for zero ft fees there are probably better options than cap1. Actually I just did this and it worked out well. I apped for the Diamond Preferred and was turned down. Two days later I apped for the Plat and was approved. No AA on existing Citi cards either. When I called for recon on the Diamond the rep actually recommended it. So I should apply for the other Citi or as them to change it? I decided against Cap One. The World one seemed to have better rewards so I applied for that but then I screwed myself. Should I apply for something now or wait? Use the link I posted on another site. It is a US Bank Visa CC (go for the Visa Platinum Card if you want it to report the limit). This CC has 0% for 15 months on BT & PURCHASES. Click HERE Enjoy. Also, app somewhat sooner rather than later, before the new Citi CC gets reported. Good luck and let us know how it goes. SuperG Thanks. That is a NAACP card. Wouldn't I look out of place as I am white but 15 months is good?