What should I look for when getting a credit card I’m in the US and have used debit cards my whole life (42f). I just saw a post on here about the safety of cc vs dc here in the US and am thinking to make the switch. I’ve never had a credit card and would like the incentives they come with but am not sure what to look for. I plan to pay it off every month, but only spend around $1,000 or less o…

Building more credit as student Hello, I (21F) am a full time student who works part time at a couple places and also applying for an internship that would pay more. (Hoping I get that one) I currently have one credit card that I got in May 2022 and have a $2500 limit on. I did great for over 9 months then faltered for a bit but I was able to get it paid off. (Clarifying that…

Is there any reason to update my income for my credit card company? This may be a silly question, but every time I log into my credit card they ask for an income update. It’s currently listed as 0, although I am employed. I’m in my 50s, don’t need any additional credit, and my credit score is excellent. I’ve had this card for a long time and don’t plan any changes. Is there any benefit for me here? I don’t want …

LPT: At work, credit where credit is due Seriously, thank your colleagues and direct reports. It makes them look good, it makes them appreciate you, and those 2 factors alone make you look good. submitted by /u/Yarmuncrud

Capital one decreasing credit limit I received an email this morning that my capital one card would receive a credit limit decrease. I generally have between 8-12% utilization on this card since I’ve been trying to build my credit. I’ve paid it off completely once or twice since I’ve been told that

Credit Card Debt Advice Looking for advice on my current debt situation… It’s a bit of a strange situation, so bear with the long post. (Also burner account for obvious reasons LOL) I’m an international student in the US and I recently finished grad school and was in a very tight financial position for my last year of my degree. I racked up $8000 in CC debt over the …

How can I convince my AliBaba supplier to give me credit? When I first launched my product on Amazon, I realized that my pricing was too optimistic for the market, so I ended up dropping it to a level where I now have consistent sales. All the pieces are in place: I have my 3PL firm, stable shipping rates, and a strong ranking in the category. All I need to do is re-stock and keep things flowing. Howev…

20yo needs credit guidance ‼️Just checked my credit score and idk what to do. 20m. I’m a college student. I have never had a credit card. I decided that I should start at least familiarizing myself with credit. So I found my way to experian. When I was put on the dashboard my credit score was in the 660s. And although my knowledge of credit is limited and I’m still new to learning this feels bad and I’m panicking a little…

My Credit Score is slowly dropping due to student loans Hi All, I have 300k of student debt (doctor in residency). I am in an income based repayment program, but not making any payments due to the federal loan deferment. Plan to restart in October with everyone else. Very slowly over the course of the last year or two, my credit score has been dropping. Started off at 760, now down to 690. I have zer…

Being sued for credit card debt. Need help I’m the sole earner. COVID did a number on me and my family. Student loans take the brunt of my “flexible” income. So something had to give. And I didn’t have a choice. Now the credit card company is coming after me in court and I can’t really afford to pay it back at this point unless I get an exceedingly generous ruling. What’s the case going …

Repeat credit card app I applied for a Bank of America credit card last week. I got an email that my app was being reviewed and got a notification on my Equifax that my credit had been checked. However, when I try to check the status of my app, I don’t appear in the system. Should I apply for a different card or wait? I’m wondering are they even processing my app if i…

Parents are ruining credit of authorized CC user. A family member added their daughter as a authorized user some time ago. Recently the father has racked up $13k on the CC. The daughter has loads of student loan debt and possibly some other debt but is in a high paying career. That being said, it’s not her debt to pay(though I know she’s legally responsible for it as well). What are the steps t…

credit card debt and jail time? I am not sure if this is the correct sub but I just do not know anymore what to do. Back in 2020 (19) I made roughly 23K in one month through drop shipping and ended up befriending a guy on discord who said was a millionaire investor. Long story short he told me that I can put in 20K and multiply it by 12 to put into my income – which I now foun…

Boarding without the credit card that paid for the flight I plan to pay for a flight for my fiancé using my personal credit card. My fiancé is abroad and obviously will not have my credit card on her person. Are there often restrictions against this? I’m not sure, but I cannot recall being asked for the credit card that paid for the flight while checking in or boarding the flight. submitted by /…

Wife underpaid bank $5 in June. Now reported as late on credit report. Is there a way to fix this? It’s hard to believe that a $5 oversight would hit our credit so hard with a “late payment” on our credit reports. We paid it in July after my aunt called and said there was a lateness of $5 on the June statement. My aunt co signed on a loan for a mobile home and somehow in the mix my wife underpaid by $5. Is there an…

Is citi lowering credit limits? Family called last night. Credit limit lowered from $30,000 to $2000 with no warning. Single cards they share and nothing bad on credit as Dar as I know. Paid off homes and cars Anyone else getting hit by credit limit downgrades submitted by /u/lost_in_life_34

Building credit after financial abuse I was hoping someone could give my boyfriend (and I) some advice. He recently moved across the country (from NC to CA) to escape a financially abusive mother and father. They were drug addicts who stole his credit cards, debit cards and cash when ever they had the opportunity. Because of this, his credit score is destroyed. (In the 400’s) He lef…

Extra Trade-in Credit Towards PlayStation 5 Purchase: Trade-in Select Consoles, Get Extra $50 Credit GameStop is offering *$50 Extra Trade Credit* when *trading select consoles towards any new PlayStation 5 Console*. Thanks to Community Member *VioletShow7995* for posting this deal. Note:…

LPT: Periodically review your credit report for incorrect entries. Recently when I applied for a loan I was asked to provide my credit report. When I downloaded it I was surprised to see that my credit score was very low. I did not anticipate this as I always make payments on time with auto debit. Turns out there were incorrect entries like missing/delayed payments and inactive/closed credit cards still showin…

LPT – Freeze your credit score Now It doesn’t matter how many times it’s been said, it needs to be said till everyone does it. Freezing your credit scores needs to be done before you have a problem, not after. I see too many posts about fraud not just from stolen identities by stangers, but parents opening credit cards in their children’s names and maxing them out (usually not to…