GoldCredit83

28 Contributions 130 People Helped Top Contributor

Member Since: July 2013

About Me: I have my own business and over 20+ accounts that I manage on a regular basis I'm very confident in my ability to grow beyond borrowing other peoples money and have set my sights higher for 2017 I'll save more money and use less credit over time. :)

Most Helpful Contribution

Citi Simplicity® Card

Jan 28, 2017
Helpful to 26 out of 33 people

Recently had my credit line increased amazing. :) Just took a phone call.! and no my credit score was not dinged. I never ever missed one payment on any of my credit cards also I don't rack up debt I'm not able to pay a credit score is only as good as your willingness to not miss payments and never carry high balances.

Activity (28 Total Contributions)

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Chase Freedom Unlimited®

Jan 28, 2017
Helpful to 13 out of 14 people

I had a pre-existing card with Chase called "FREEDOM" all it took was one phone call and after carefull consideration I was upgraded to this card and my credit score was not dinged. :)

How long does it take to get approved for chase freedom card

Sep 06, 2013
Awaiting Approval
Helpful to 6 out of 6 people

I just filled out an application for chase freedom card now I'm waiting to see if they send me it in the mail I'll respond back I'm hoping they start me off even with a small line that I can then build on.

Citi Simplicity® Card

Jun 23, 2015
21 Months? I'll take it. :)
Helpful to 4 out of 4 people

I recently was offered this card which has a Zero 0 % APR for 21 Months and credit karma was correct I got approved with an initial credit line of $2,400.00 and when my score was pulled it came back as 767 according to the results of my application I've never owned a card with this bank. But after 2+ years I've managed to build a very solid credit history which has never been an easy task but it's worth it because I got rewarded with this card for 21 Months no interest. :)

Citi Simplicity® Card

Jan 28, 2017
Helpful to 4 out of 4 people

You should never close an old account always remember that and if you still choose on closing an account it could take 10 Years before it comes off your credit report also while closing accounts get the persons name you spoke with and ask them to mail you something if possible telling you the account has been closed and paid in full at best you could also send them a letter and tell them you'd like to close the account and they should send you something back in the mail.

credit scores vs credit karma scores

Mar 22, 2015
Helpful to 4 out of 4 people

I believe you must leave some bait on the hook if your looking to build your score and also have your credit limits raised the term in the credit industry for people who pay off all their debts and owe nothing are dead beats banks like you to be paying some kind of interest even if it's not to them I'm not suggesting go run up a credit card and only pay 5% back and pay interest. You need to do zero percent interest on some and small amounts of interest on other cards charge say $100 and pay the $3 interest fee every so often and pay it in full with the interest just don't use your credit cards reckless if you already have the cash and can pay it back use it but don't pay it all off so quick or you will end up with lower scores and probably higher interest rates I hope this makes sense.

Citi Simplicity® Card

Jan 28, 2017
Helpful to 26 out of 33 people

Recently had my credit line increased amazing. :) Just took a phone call.! and no my credit score was not dinged. I never ever missed one payment on any of my credit cards also I don't rack up debt I'm not able to pay a credit score is only as good as your willingness to not miss payments and never carry high balances.

Capital One® Quicksilver® Cash Rewards Credit Card

Jun 16, 2015
Approved!
Helpful to 2 out of 2 people

I recently applied for this card after being denied for another card from Capital One in the past, last week I got approved for $3,000.00 Credit Line my FICO Score was between 747-751 I also had to supply more information about my income then other banks ask for once I receive the card and start using it I'll post an update for now I plan on keeping my utilization rate low as to soften the blow to my FICO Score for my recent inquiry. :)

does electric credit count?

Sep 21, 2013
Yes And No!
Helpful to 2 out of 2 people

Only if it becomes delinquent may it appear on your credit but normally it does nothing for your credit score same with a cell phone company.

Should I close my first credit card to get a bigger loan with a better rate?

Sep 12, 2013
Closing Old Credit Card
Helpful to 2 out of 2 people

Never and I mean ever close an old credit card account I also agree with the other comments made by mdtaylorlrim. Thank you!

Bank of America® Cash Rewards Credit Card

Oct 15, 2014
The Bank isn't flexable with this card.
Helpful to 9 out of 12 people

I've had this Credit Card for almost 2 years with AAA+ Payment history never missed one second or even a day late on any payments for this Credit Card Account I have. It's my 1st Credit Card I ever got without a deposit based on a credit score of around 650-700 not sure if that's FICO or internal scoring model this card opened up doors for more credit while I'm greatful for that I can't get "THE BANK" to lower my interest rate they provided no flexabilty and they never increased my credit line either it's still $800 limit my current rate of interest is 16.99% and I've spoken with lots of people at the local bank and called card services no one will even lower it say 15.99% horrible feeling when you've done everything right and "THE BANK" won't do anything even with the line of credit so I use this card very little they won't get a penny more in interest off me.

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