Cland1236

I find it sort of humorous that Credit Karma lists this card first for me under the credit card recomendations. 

My credit score is 749 with most of my six cards having limits of near or above 10K on each. 

Not quite sure how much I would trust other recomendations after that. 

I had been with State Farm for over 10 years. My agent last year really agravated me with my homeowners policy - the cost, the changes he initiated himself and the timing of the renewal policy to my bank. By the time I even got a copy of his proposed changes he had submitted it to the bank and they had already paid it out of escrow. Too much hasle and cost to worry about it  soooo.....

Couple months ago, had a freind that works at Allstate. Been trying to get me to change for awhile now. 

They gave me and my 22 year old daughter some great auto rates and the homeowners policy was 30% lower than State Farm (all those years with them didn't much pay off for me). But seriously over all, 2 cars (1 new) and 2 drivers, (1 young) and my house for way way way less than my old guy - for better coverage. 

They do, like all the rest of them, take your insurance credit score into account. 

Got offers three times a week from Chase, Citi and Discover. Got the Chase and Citi.

Chase gave me $300 to open the account, 0% interest for over a year, nice great line and 11.9% after the intro period.

 Got a nice paid of Polk Audio speakers I have been wanting and put the $300 towards them already. Only took one day for the points to turn into a statement credit. 

Overall seems to be a great card, easy to get and redeem points, great starting limit of over 10K, but is a Chase Freedom Signature Visa card so can charge over that with no issues. 

Great card, great limits, fantastic 2 year 0% on charges and balance transfers

BUT you are still only 22. I mean give it some time in life eh?

I realise that your generation has a somewhat of an entitiled attitude (my daughter is 22), and many expect everything from cars to houses to credit to employment to all start you at the top and by god you get defensive if you are not.

I don't know this citi card from adam, but I do know that is you are 22, and they have given you any credit at all, you are doing good.

They didn't "hit your credit". You applied and they ran the credit just like every other card would. It was your choice to make. If you did not NEED the credit, then you should not have applied.

I know my experiences are not typical. I have 6 credit cards and have ok limits on them. My rates arent bad, but not the lowest I could get. Im 52 years old, have a fico of 811 and an after tax debt to income of 12 % including my mortgage. I never bought a McMansion, and have a 2005 jeep that is paid for and taken care of.

So, other than me demanding what I feel I am deserved, and really what is the point of that, I simply use credit judiciously, (and NEVER to chase rewards).

With your attitude, you can be almost certain to crash and burn at some point, and will blame everyone but yourself for it.

But hey, that just my opinion

An income of 35K a year before taxes, may seem like a lot at 22, but really, it is a starter income, you have a starter credit file, regardless of your score, and you will move up in time, or blame all of your issues on the companies that grant you credit.

The actions by congress are directly responsible for all of the interest rate hikes and credit limit cuts.

What exactly did they think would happen when they passed laws that would regulate changes credit card companies could make?

They left an interstate worth of room for all credit cards and banks to hit the customer hard before the laws take effect.

Thank you again for your great work congress.

The laws of unintended consequences are the laws that our Federal Govt seems to best at.

Two years ago I refinanced my mortgage. I had 5 inquires from my looking. I had always been told they would count as ONE since they were all mortgage related and withing 30 days or less. THAT DID NOT HAPPEN. I was hit on all 3 bureaus just as if I had applied for 5 separate loans. My score has just now recovered and in December the last one will fall off.

I wish it were the way you say CK, but realty is they all effect the score, regardless of what they tell you - at least they did mine.