petertroy

Hi there! It sounds like you're doing a great job rebuilding your credit. Since you only have two credit cards reporting on your credit history, it may be helpful to consider opening another credit account or loan, such as a secured credit card or personal loan, to further diversify your credit. It's also important to continue making on-time payments and keeping your credit utilization low. As for buying a sailboat in the future, it's important to keep in mind that taking on a large debt, such as a boat loan, could negatively impact your credit score. It may be a good idea to focus on improving your credit before taking on any major new debt. Lastly, for your friend who was denied the Petal 2 card, it's great to hear that they were able to get approved for another credit option.

Good one bro

Thanks for sharing, you can make or break with your credit card.