30 and younger thread

Eh, I've had a truck loan (installment loan), personal loans (also installment loans) which yield credit scores to go up to the 700s but once I started to manage 3 credit cards (revolving loans) my score went to the 800s.

 

Ehh I forgot, you are all 22, you are all experts.

 

That's where I'm trying to get mine. When I first got the card I was in the 780 range. Haven't checked it in a while.

 

Not even

 

I went to this fancy local place here (Broadmoor Hotel) and I saw a person buying something using a black visa or whatever it is. I was jelly.

 

they're available? or are you referring to my earlier statement?

let me know how those pimp stars are workin for ya. about to start slingin that dope but i think im gonna go 30"s BLADES ALL DAY CUH!

explain. im about to get an account through the Navy Federal CU

i built mine with credit cards then went to vandergriff to get pricing on a few cars and they told me that interest would be high because i have no "credit history" went to autonation toyota off of I-30 and got 5.29% i was pre approved for 13%

 

i haz a black discover from citibank

 

you must've had alot more credit than me lol. that car was the first thing i ever financed

 

My only credit card is a Military star card. It only works at the BX and gas station. I pay it off every month, a real easy way to gain credit for me without putting myself at risk.

Now that I've got credit though it's a lot easier for me to use Paypal's bill me later, hasn't hurt me yet though.

I'm getting raped on my interest rate on my vehicle loan. I had no credit at the time....

 

Am I thinking of the right color? It's the one where you have to be mega rich to have.

 

I have an American Express Black Card

 

.. 21?

Spray paint the one you got black, problem solved.

This may or may not be different for Navy, but I have a shell FCU and a JSCFUC account, the longer you are in good standing with them the better. They rely on how much you are putting in the account and if you have missed any payments, the amount of money owed on your CC's (I usually keep a 10% balance on all mine and make a payment on them a week before it's due). To shorten it up, I walked in and got a $5k personal loan without a credit check being performed. And I'm friends with the loan officer.

DB.

What you think is a good score and what I think is a good score would be 2 different numbers, no?

 

20. I was 19 when I got my credit card though

 

Sure....

 

Plasti-dip yo!

 

refinance?

yeah its black but its AMX VVV

this one

yeah that AMX black card you have to spend a miminum (IIRC) of 250k....a month....

 

If I got a real credit card I'd feel like it wouldn't go over well... Haha

Although is would be nice to have in an emergency situation. But that's also why I try to keep a couple thousand somewhere at all times.

 

Yeah, probably would be a good idea. Plus if I refinance I would have put solely under my name instead of being cosigned with my mother.

 

in which case wouldnt that mean i got a better deal then you on the first vehicle? the camry is the first car i've ever "bought" my financing is through toyota though dont have a CU just yet