Here is a quick post for those who are fresh out of high school or even in college or just out of college, who may not know much about credit. This blog post is to show you how easy it is to get your first credit card.
Now due to the fact that your just starting out with credit, do not expect your first credit card to have a very high credit limit. There are some local banks and credit unions that actually have programs for new credit beginners. (Later on this post will be updated with a few of those banks). Some of the programs are called My First Credit Card, you can Google or Yahoo this term and some banks should pop up, but if not as mentioned above a few links will be posted later on. For those looking for a quick approval for a credit card. You may want to give capital one, Journey Credit card a Go, and also Capital One Classic Credit card A go, at the same time. I have seen many people approved for these 2 cards simultaneously. You r credit limit for one or both cards will be $300-$500, you may get approved for both at $500 a piece giving you a credit start of $1,000. For those that maybe looking for higher limits at first, if you have relatives or parents with well established credit and credit cards, you may want them to add you as an Authorized User on there cards.(There is A post on What Is A Authorized User) 2-3 of these Authorized User cards with good credit history and limits added to your credit profile or report, will surely help get you, your first credit card at A higher limit. Please use this information wisely, don't run up your credit cards if you cant pay them, you'll regret it later for sure. And IF you do handle your credit right at the beginning, trust me you can get your credit well up to $30-$50k Plus with in a very shot amount of time.
Leave your questions & comments I am here to answer your questions and help.
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The Come-Up Compilation Ebook:
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Showing posts with label new credit. Show all posts
Showing posts with label new credit. Show all posts
Monday, June 24, 2013
Saturday, June 22, 2013
How To Build Up New Credit To Obtain High Credit Limits
In this post I will show those with fresh credit or new credit how to obtain higher credit limits in a short period of time, avoiding the most common mistakes made with new or fresh credit.
I'll first talk to the ones with the blank credit files, or those just starting out. Lets say your fresh out of high school or even college. You may have that great idea, or want to invest in the market, or even invest into real-estate, or you just have that entrepreneur spirit. More than likely your not at that point to invest cause your broke or don't have much, unless you have that rich uncle or grand mother, but even that scenario the rich relatives are tightening there pockets as well. I mean times are hard, so wouldn't it be nice to have a little advantage over the rest.
lets get right into it. First and fore most, reconsider the banks who you bank with. You may want to start focusing on your city's local banks, and credit unions. (In the ebook: The COME-UP COMPILATION) there is a list of the top 10 credit unions to join, which I may add, some are very generous, even with fresh credit, lol. Going to these banks will give you a better chance to build your credit faster and with higher limits, verses going to the big wigs, you know who I mean, lol.
-Also before you choose to apply for a credit card you may want to reconsider doing that, because you don't have any or no credit, those that will extend credit to you will start you out low, which will make sense from a underwriter stand point, but think about choosing a secured credit card first, these is a list of the top 10 secured credit cards to obtain in the copy of the ebook( THE COME-UP COMPLATION). Getting a secured credit card as your first 2 cards or so will help you to pave your next unsecured limits to high limits especially if you start those secured cards out with high limits for example($1,000-$10,000).
-A very important step in obtaining high limits in a short time is to make sure your credit reports have completed information on them, correct name, address, age, DOD, even job and salary information. Information that is not updated can be the difference between an approval and an denial even with a 700+ score.
-Following these steps will surely get you on the way to obtaining high credit limits in a shorter time period than usual.
I have helped many obtain funding under there personal credit even with negatives on, lol. I have also helped many to clean there bad credit as well.
You can ask your question or leave your comments here about how to establish new credit to obtain high limits in a short time period.
I am available on my blogs, Wordpress, emails and itsmapps.com at all times.
check out the live actual proof of the credit this client got here:
http://www.youtube.com/watch?v=dFquL0J73E0&feature=endscreen&NR=1
itsmapps.com
itsmapps.blogspot.com
mapps clothing
blue mitzi
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I'll first talk to the ones with the blank credit files, or those just starting out. Lets say your fresh out of high school or even college. You may have that great idea, or want to invest in the market, or even invest into real-estate, or you just have that entrepreneur spirit. More than likely your not at that point to invest cause your broke or don't have much, unless you have that rich uncle or grand mother, but even that scenario the rich relatives are tightening there pockets as well. I mean times are hard, so wouldn't it be nice to have a little advantage over the rest.
lets get right into it. First and fore most, reconsider the banks who you bank with. You may want to start focusing on your city's local banks, and credit unions. (In the ebook: The COME-UP COMPILATION) there is a list of the top 10 credit unions to join, which I may add, some are very generous, even with fresh credit, lol. Going to these banks will give you a better chance to build your credit faster and with higher limits, verses going to the big wigs, you know who I mean, lol.
-Also before you choose to apply for a credit card you may want to reconsider doing that, because you don't have any or no credit, those that will extend credit to you will start you out low, which will make sense from a underwriter stand point, but think about choosing a secured credit card first, these is a list of the top 10 secured credit cards to obtain in the copy of the ebook( THE COME-UP COMPLATION). Getting a secured credit card as your first 2 cards or so will help you to pave your next unsecured limits to high limits especially if you start those secured cards out with high limits for example($1,000-$10,000).
-A very important step in obtaining high limits in a short time is to make sure your credit reports have completed information on them, correct name, address, age, DOD, even job and salary information. Information that is not updated can be the difference between an approval and an denial even with a 700+ score.
-Following these steps will surely get you on the way to obtaining high credit limits in a shorter time period than usual.
I have helped many obtain funding under there personal credit even with negatives on, lol. I have also helped many to clean there bad credit as well.
You can ask your question or leave your comments here about how to establish new credit to obtain high limits in a short time period.
I am available on my blogs, Wordpress, emails and itsmapps.com at all times.
check out the live actual proof of the credit this client got here:
http://www.youtube.com/watch?v=dFquL0J73E0&feature=endscreen&NR=1
itsmapps.com
itsmapps.blogspot.com
mapps clothing
blue mitzi
<div id="__tbSetup"></div>
New Credit Step by Step Plan
This post is dedicated to those who have just started up there credit or are wanting to start getting credit, building it up on a slower pace. For those wanting to do it on a faster pace, check out the post called: How To Build Up Personal Credit To Obtain Higher Credit Limits. Moving on, here we go:
Ok, so you are wanting to start building your credit and have none and no money for a secured loan, ok. Well you can apply for a capital Journey credit card and/or classic MC/Visa card at the same time one right after the next and you will most likely get approved for both if not one. For those not sure if they will get approved and need assistance, you can email or post me and I will help you out witth that. You can email me at itsmapps@gmail.com or itsmapps@itsmapps.com. After getting approved for the card, you want to use it once a month for at least 3 months, very small purchases under $50 dollars, make sure you make payments. At about the 2-3 week of the 4th month, you will want to apply for a JC Pennys card. They will approve you for about $100-$400 dollars credit line. In about a week or two, You will want to also apply for a Walmart card at this time as well. You don't need to use these new cards yet. After the walmart approval, you wait for another 2 weeks and then apply for a Old navy and Khols card at the same time, you will more than likely get approved for both. A word of advice which is very important to these approvals, make sure that your phone number that you have is listed in 411 directory, also go to:https://www.optoutprescreen.com/?rf=t to opt yourself in the system. If your not listed with 411 and not opted in, you will want to do so and wait about 30 days or so before applying for credit. You may also want to retrieve a current credit report to make sure all of your information is current and correct, because an address or phone number can be the difference between denied and approved.
For more info or help please leave your post or emails with questions, at www.itsmapps.com or www.itsmapps.blogspot.com, or itsmapps@itsmaoos.com, or itsmapps@gmail.com
Ok, so you are wanting to start building your credit and have none and no money for a secured loan, ok. Well you can apply for a capital Journey credit card and/or classic MC/Visa card at the same time one right after the next and you will most likely get approved for both if not one. For those not sure if they will get approved and need assistance, you can email or post me and I will help you out witth that. You can email me at itsmapps@gmail.com or itsmapps@itsmapps.com. After getting approved for the card, you want to use it once a month for at least 3 months, very small purchases under $50 dollars, make sure you make payments. At about the 2-3 week of the 4th month, you will want to apply for a JC Pennys card. They will approve you for about $100-$400 dollars credit line. In about a week or two, You will want to also apply for a Walmart card at this time as well. You don't need to use these new cards yet. After the walmart approval, you wait for another 2 weeks and then apply for a Old navy and Khols card at the same time, you will more than likely get approved for both. A word of advice which is very important to these approvals, make sure that your phone number that you have is listed in 411 directory, also go to:https://www.optoutprescreen.com/?rf=t to opt yourself in the system. If your not listed with 411 and not opted in, you will want to do so and wait about 30 days or so before applying for credit. You may also want to retrieve a current credit report to make sure all of your information is current and correct, because an address or phone number can be the difference between denied and approved.
For more info or help please leave your post or emails with questions, at www.itsmapps.com or www.itsmapps.blogspot.com, or itsmapps@itsmaoos.com, or itsmapps@gmail.com
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