how do i start my credit?

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Incar

Incar

Sicc OG
#1
Sep 28, 2002
1,866
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#1
i have a bank account and money in it ( around 900) and when i sign up for credit cards they dont accept me cuz i have no credit at all. how do i start a good credit? this shit is fucking frustrating. i need to build my shit up.
 
sassy707

sassy707

Sicc OG
#2
Mar 8, 2007
278
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#2
Get a secured Credit Card thru your bank.. then just buy little things here and there.. Gas cards are the easiest to get, I would try that... but dont keep trying to get hella cards, cause that counts on your credit report and an inquiry each time.
 
A

All 4 the Bay

Sicc OG
#3
Apr 5, 2005
4,271
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#3
Yeah just get a secure card. Most banks if not all require a deposit which you get back. I had a secure card for about 7 months until i finally had credit. I had to give them a $150 deposit and my CC limit was $500.00. However, my interest rate was ridiculous! 32 fuckin percent! It's a lot , but you gotta pay the cost to be the boss. Now i have a fairly decent credit score of 660, a new whip, and another cc with a higher limit but with a much lower interest rate.

Good luck bro. Be patient. Credit takes time to build,
 
Incar

Incar

Sicc OG
#5
Sep 28, 2002
1,866
1
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#5
but dont keep trying to get hella cards, cause that counts on your credit report and an inquiry each time.
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shit i signed up for like 5+ i thiink
Be patient. Credit takes time to build,
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yea i know and it frustrates me cuz my gurl got like hella offers when she turned 18 and i didnt get shit. pisses me off cuz i know i have to start to build
Get a car loan.
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i dont want need a car at the moment, and i dont necessarily have a job. i work under the table.
 
A

All 4 the Bay

Sicc OG
#6
Apr 5, 2005
4,271
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#6
Dana Dane said:
Get a car loan.
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With what credit? Unless he has a co-signer!

Aside from that dogg. Credit stays with you for the rest of your life! No need to worry about who is getting the most credit offers or not! Stick with one card. The more you have the more problems that will come. I know a lot of my friends who had CC's when they were in their teens and their credit is fucked right now because they cant make the payments or they have too many cards maxed out.. Never ever make the minimum payment when you get a card either. If you want you credit to build faster make multiple payments each month on the card.

I'm 24 right now. And i'm glad I never had a card when i was in my teens I would have fucked up too! Once you understand credit you should be all right bro.

Go to your bank or go online and request a secure card. That's the only way to go right now. Give it about a year and you should definitely have come credit built up.
 
:ab:

:ab:

blunt_hogg559
#7
Jul 6, 2005
8,149
5,192
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#7
To start off simply, have a credit card you buy ONLY gas on, and pay that shit off RIGHT away so you don't pay any interest. I buy groceries with cash, but I switched to credit so I could build my shit up.

and be resonsible with your bills. If you don't have any credit and start right now, if you go about it right, you can have BOMB ass credit......Good LUck
 
Incar

Incar

Sicc OG
#8
Sep 28, 2002
1,866
1
0
38
#8
yea, i didnt get a card in my teens cuz i didnt want to fuck up my card and now im 20 and i want/need to start to build my credit. i only need/want one CC and i know to pay in full and all that stuff, its common sense, i use my parents card that is just for me and pay in full month after month but now i want/need one on my name.

thanks everyone for the input, you guys never let me down lol:D
 
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