jraczak

3 Contributions 4 People Helped

Member Since: January 2012

Most Helpful Contribution

Journey® Student Rewards from Capital One®

Sep 20, 2012
Helpful to 3 out of 4 people

Vantagescore of 593. 3 existing accounts with Capital One (One personal secured, 2 unsecured business). Approved for CL of 500. No late payments on credit cards in 3 years. 

Activity (3 Total Contributions)

Journey® Student Rewards from Capital One®

Sep 20, 2012
Helpful to 3 out of 4 people

Vantagescore of 593. 3 existing accounts with Capital One (One personal secured, 2 unsecured business). Approved for CL of 500. No late payments on credit cards in 3 years. 

Chase Sapphire Reserve®

Nov 03, 2016
Helpful to 1 out of 1 people

Thanks so much for this detailed review! It's eerie how similar it is to my own history, right down the mistakes in the early 2000s! I've also been lusting after this card since it came out. I'm thinking I'll take the same approach and just go for it so I can move on either way. Thanks again for the story - hope you're enjoying the card! :)

Trends by Age

Dec 19, 2017

Your life experience sounds exactly like mine, and I think you're spot on with the need for financial literacy education. I learned through my parents' habits which were...non-ideal. I had a really rough 5-6 years crawling out of the hole from my mistakes. I know better now, but I could have saved a lot of stress (and a lot of interest) had I learned lessons the "easy way" ahead of time.

Glad to hear things are better for you now as well.