need more credit!! - GoFuckYourself.com

nocostporn · 06-25-2002, 01:40 PM

I need a limit of $2500-unsecured
My limit now is only $1k and I've been using it more and more recently,need something else...problem is I'm 19 so not everybody is jumping at me with platinum/business cards even though I have good credit....

anybody have a url to something I'm sure to get approved at? Help a cracker out

Sly_RJ · 06-25-2002, 01:43 PM

I've got the same problem man. Was talking to my dad about it last night, he said either take out a loan for something and pay back on time every month (will build credit) or settle for a secured card. Have you tried NextCard? They're the only company I've found so far that would accept me, got a $1K limit with no problem.

Thomas N · 06-25-2002, 01:46 PM

One thing I do know about credit, is that if you can use the card a good bit every month, and then pay it off in FULL every month, the card company will be raising your credit limit all the time.

If that sounds hard to do, think of putting things on the card that you have to pay anyways, like pay your electric bill or car payment with the card if you can, then pay it off just like you would have paid the bill. Didn't cost you any extra money, but you are building your credit.

hyper · 06-25-2002, 01:49 PM

every 6 months you can ask for a limit increase.. got to work your way up

Pipecrew · 06-25-2002, 01:56 PM

There is an 80 dollar attachment used for something else

that can be used for changing the limit on a credit card, but its not worth the jail time

Houdini · 06-25-2002, 02:03 PM

Including the one you have, why not just get two more cards with a 1k limit than trying to get one for $2500. Also, if you have money in the bank that shows you're worth something then you can easily get a nice limit. Wasn't it you saying you had $80,000 in the bank you were using for an affiliate program? You should have no problem securing $2500. Go through your bank.

Sly_RJ · 06-25-2002, 02:04 PM

Ok guys, I got the building credit down. But in order to build your credit, you need credit! Anyone know some companies that will give me a credit card without pre-existing credit? I need a couple more cards to start building up...

SetTheWorldonFire · 06-25-2002, 02:05 PM

CC's are demons!

XXXPaysiteDesign · 06-25-2002, 02:23 PM

Try getting a student CC card..

Homegrownvideo · 06-25-2002, 02:31 PM

It's tough to ge a good credit history. Actually, even 7 years of credit history is considered "too little".

I shit you not. 30 years is what companies like to go off of to check your credit history.

I would suggest a householdbank.com mastercard. Hey, it's not visa, but i got a huge credit limit on mine compaired to my other visa cards.

Also, one credit tip, besides making payments on time, is to make sure to keep the balance on your cards @ 49% of your maximum or less. They jumps up your FICO points quite a bit.

As I recall, 700 fico points is considered "good credit".

Good luck!

deniska · 06-25-2002, 02:32 PM

Try to get an Amex Gold I got one when I was 20 at 21 I was able to upgrade to a platinum amex card. Another easy card to get is Providian. Check out providian.com they will aprove any young cracker ;)

Sly_RJ · 06-25-2002, 02:38 PM

I can't believe I didn't think of Providian. They call my house daily tying to get money from one of my old roommates. I heard their good for rebuilding credit, so I would assume that they're fine for building credit as well.

06-25-2002, 01:40 PM	#1
nocostporn Confirmed User Join Date: Mar 2002 Location: Maryland Posts: 5,228	need more credit!! I need a limit of $2500-unsecured My limit now is only $1k and I've been using it more and more recently,need something else...problem is I'm 19 so not everybody is jumping at me with platinum/business cards even though I have good credit.... anybody have a url to something I'm sure to get approved at? Help a cracker out __________________ CashTheChecks.com -coming soon- "Exclusive sites for Exclusive Webmasters" ICQ-119966868,add me first don't message

06-25-2002, 01:43 PM	#2
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	I've got the same problem man. Was talking to my dad about it last night, he said either take out a loan for something and pay back on time every month (will build credit) or settle for a secured card. Have you tried NextCard? They're the only company I've found so far that would accept me, got a $1K limit with no problem. __________________ PHAT SERVERS - Quality dedicated hosting at a quality price! sly AT phatservers DOT com - 147479144

06-25-2002, 01:49 PM	#4
hyper Confirmed User Join Date: Mar 2002 Location: Mass Ass Posts: 5,294	every 6 months you can ask for a limit increase.. got to work your way up __________________

06-25-2002, 02:05 PM	#8
SetTheWorldonFire Confirmed User Industry Role: Join Date: Feb 2002 Location: California Posts: 7,444	CC's are demons! __________________ www.STWOFDesign.com hit me up on icq 154206276 or Skype: JaimeGizzle

06-25-2002, 02:23 PM	#9
XXXPaysiteDesign Confirmed User Join Date: Mar 2002 Location: Everett, WA Posts: 2,201	Try getting a student CC card.. __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

06-25-2002, 01:46 PM	#3
Thomas N Confirmed User Join Date: Aug 2001 Posts: 973	One thing I do know about credit, is that if you can use the card a good bit every month, and then pay it off in FULL every month, the card company will be raising your credit limit all the time. If that sounds hard to do, think of putting things on the card that you have to pay anyways, like pay your electric bill or car payment with the card if you can, then pay it off just like you would have paid the bill. Didn't cost you any extra money, but you are building your credit.

06-25-2002, 01:56 PM	#5
Pipecrew Master of Gfy.com Industry Role: Join Date: Feb 2002 Posts: 14,887	There is an 80 dollar attachment used for something else that can be used for changing the limit on a credit card, but its not worth the jail time

06-25-2002, 02:03 PM	#6
Houdini Confirmed User Join Date: Dec 2001 Location: SoCal Posts: 1,651	Including the one you have, why not just get two more cards with a 1k limit than trying to get one for $2500. Also, if you have money in the bank that shows you're worth something then you can easily get a nice limit. Wasn't it you saying you had $80,000 in the bank you were using for an affiliate program? You should have no problem securing $2500. Go through your bank.

06-25-2002, 02:04 PM	#7
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	Ok guys, I got the building credit down. But in order to build your credit, you need credit! Anyone know some companies that will give me a credit card without pre-existing credit? I need a couple more cards to start building up...

06-25-2002, 02:31 PM	#10
Homegrownvideo Confirmed User Join Date: Dec 2001 Posts: 373	It's tough to ge a good credit history. Actually, even 7 years of credit history is considered "too little". I shit you not. 30 years is what companies like to go off of to check your credit history. I would suggest a householdbank.com mastercard. Hey, it's not visa, but i got a huge credit limit on mine compaired to my other visa cards. Also, one credit tip, besides making payments on time, is to make sure to keep the balance on your cards @ 49% of your maximum or less. They jumps up your FICO points quite a bit. As I recall, 700 fico points is considered "good credit". Good luck! __________________ http://www.homegrownvideo.com http://www.homegrowncash.com http://www.homegrownstore.com http://www.homegrowncontent.com

06-25-2002, 02:32 PM	#11
deniska Confirmed User Industry Role: Join Date: Mar 2001 Location: Miami Beach, FL Posts: 1,053	Try to get an Amex Gold I got one when I was 20 at 21 I was able to upgrade to a platinum amex card. Another easy card to get is Providian. Check out providian.com they will aprove any young cracker ;)

06-25-2002, 02:38 PM	#12
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	I can't believe I didn't think of Providian. They call my house daily tying to get money from one of my old roommates. I heard their good for rebuilding credit, so I would assume that they're fine for building credit as well.