I just turned 18, i have had 2 car loans under my name, and have had my current car loan for 7 months. I have never missed a payment on any of my credit cards and have had about 16 hard pull in the last year. (I applied for a lot of credit cards the day i turned 18. I know stupid). This is my first card with Citi, but i have 3 cards with Chase, 1 Amazon Store Card, and a Capital One card. My credit went down to a 530 because i racked up a lot of credit card debt, but i paid it down to 40% utilization in the last 3 months and it jumped up to a 632EX gross about 40k. I hope this helps someone out if they think of applying or not, Credit Karma said i had very low approval odds but from reading reviews it changed my mind. I am trying to re-build my credit and just want a solid portfolio before i go to college. Got approved for $1,800CL.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 16.99% - 24.99%* Variable
- Annual Fee $0 intro, $95 after first year
- Purchase Intro APR Not Applicable
- Purchase Regular APR 16.99% - 24.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
First dispute in 3 years was handled unprofessionally, almost like they didn't take my complaint seriously. They heavily favor the merchant. I actually felt betrayed by how flippantly they treated the dispute process. In addition, American Airlines employees tend to be negative and sometimes rude because of all the crap they endured while the company went through bankruptcy. There are better credit card companies out there.
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Data Created: February 02, 2015
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.