GregMartin120

3 Contributions 37 People Helped

Member Since: January 2015

Most Helpful Contribution

Trends by Age

Feb 13, 2017
Helpful to 28 out of 30 people

On my 18th Birthday I went to Discover.com because I had seen promotions for it on TV and also noticed my parents used it on a daily basis. My mom loved her Discover card and they have had it for over 10 years. I was approved for the Discover IT Card with a $500 limit. Over the course of the next year they inceased my limit to $1,500. I was happy I was using it and reaping rewards left and right. I got greedy so I applied for the BestBuy Credit Card because I had worked there for sometime. Fast forward this along about 2 years later I had $3,000 in debt. I applied for 3 cards all on the same day and my limits were raised to $25,000 between all of my cards. I felt like the king. I had a Chase Sapphire Preferred card. It was metal! I was as cool as could be. Well I am now 21 I HAD a score of 780 and yeah its fallen to about 620. To this day I am working on paying my debts down by 0% Balance Transfer Cards but still paying my life away to banks and debt. Be smart about Credit and dont jack it up along the way. Credit runs this world we live in and without a near perfect score you will lose.

Activity (3 Total Contributions)

Trends by Age

Feb 13, 2017
Helpful to 28 out of 30 people

On my 18th Birthday I went to Discover.com because I had seen promotions for it on TV and also noticed my parents used it on a daily basis. My mom loved her Discover card and they have had it for over 10 years. I was approved for the Discover IT Card with a $500 limit. Over the course of the next year they inceased my limit to $1,500. I was happy I was using it and reaping rewards left and right. I got greedy so I applied for the BestBuy Credit Card because I had worked there for sometime. Fast forward this along about 2 years later I had $3,000 in debt. I applied for 3 cards all on the same day and my limits were raised to $25,000 between all of my cards. I felt like the king. I had a Chase Sapphire Preferred card. It was metal! I was as cool as could be. Well I am now 21 I HAD a score of 780 and yeah its fallen to about 620. To this day I am working on paying my debts down by 0% Balance Transfer Cards but still paying my life away to banks and debt. Be smart about Credit and dont jack it up along the way. Credit runs this world we live in and without a near perfect score you will lose.

United℠ Explorer Card

Aug 12, 2016
Did Not Think I would get this card
Helpful to 7 out of 16 people

In the process of rebuilding my credit. 3 weeks ago I applied and received the Freedom Unlimited Card from Chase. Rocked it with a zero dollar balance and here we are. I hope this card works out great because I want to travel much more here in the future and it will definatley help!

Discover it®

Feb 18, 2015
Easiest Card to Build Your Credit
Helpful to 2 out of 6 people

I applied for this card on my 18th Birthday. I knew I had absolutley no credit at all. My parents had Discover cards for ever and I thought why not apply for the Student IT Card. I appreciate every month that I get my FICO by Trans Union in my statement. I can compare to CK and usually theyre almost identical. I have had the card now for a while. I started with a score of 600 with a $500 Dollar ballance and now my score is 725 with a $1,500 dollar balance. I use this card every day it is wonderful.