bigsexy1625

4 Contributions 99 People Helped

Member Since: November 2014

Most Helpful Contribution

The Amex EveryDay® Credit Card from American Express

Aug 19, 2017
One of my Favorite Cards
Helpful to 95 out of 99 people

I've been working on my credit for a year now and I've seen my score jump up and down. Alot of people don't realize it but Credit Card utilization plays a major role in your score each month. I recommend keeping it under 15%. Especially before they report so learn your report dates for your credit cards. When I applied for this card, I didn't expect to get approved even though CK had my chances at very good. My CK TU score was 653 and my CK EQ score was 658. I was approved with conditions and a $500.00 CL. I accepted this offer just so I can have an American Express in my wallet and to help me further improve my credit. The rewards are awesome if you utilize them. Customer service was great online and over the phone. I'm looking forward to my CL increase after 2 months. I was also approved for a credit card with my local Credit Union with a limit of $15k. They use the Fico9 scoring system which is a more forgiving system than the classic ficos which most lenders use for mortgage loans. My fico 9 scores are EX 719, TU 640, EQ 707. I would also recommend learning which bank uses fico 9, fico 8, or classic fico and learning your scores if you are worried about inquiries. As you see, the diffirent scoring systems, and range of the scores will confuse you. Also AMEX pulled from my Experian report.

Activity (4 Total Contributions)

The Amex EveryDay® Credit Card from American Express

Aug 19, 2017
One of my Favorite Cards
Helpful to 95 out of 99 people

I've been working on my credit for a year now and I've seen my score jump up and down. Alot of people don't realize it but Credit Card utilization plays a major role in your score each month. I recommend keeping it under 15%. Especially before they report so learn your report dates for your credit cards. When I applied for this card, I didn't expect to get approved even though CK had my chances at very good. My CK TU score was 653 and my CK EQ score was 658. I was approved with conditions and a $500.00 CL. I accepted this offer just so I can have an American Express in my wallet and to help me further improve my credit. The rewards are awesome if you utilize them. Customer service was great online and over the phone. I'm looking forward to my CL increase after 2 months. I was also approved for a credit card with my local Credit Union with a limit of $15k. They use the Fico9 scoring system which is a more forgiving system than the classic ficos which most lenders use for mortgage loans. My fico 9 scores are EX 719, TU 640, EQ 707. I would also recommend learning which bank uses fico 9, fico 8, or classic fico and learning your scores if you are worried about inquiries. As you see, the diffirent scoring systems, and range of the scores will confuse you. Also AMEX pulled from my Experian report.

Navy Federal Credit Union® Credit Card

Jun 20, 2018
Helpful to 2 out of 2 people

That is awesome. This site was the reason I became a navy federal member. Glad they gave you a second chance. Sometimes that's all people need to get back on their feet. I really want to make them my main CU but they don't have a local branch were I live. I don't know any bank or CU that will issue an unsecured credit card with type of limit with scores in mid 500s. Again congrats and I hope your able to continue to build your credit back up.

The Amex EveryDay® Credit Card from American Express

Aug 28, 2017
Helpful to 2 out of 2 people

I've been able to make 3 payments so far. Only had it since the 1st week of August. They told me online that I can only make a payment when there is a statement balance, but I've been able to pay seems like every 8 days. Make several small transactions if you are trying to make 20 transactions in a month for the 20% reward.

The Amex EveryDay® Credit Card from American Express

Aug 28, 2017

Redstone Federal.