To start, I am actually interested to see if anyone can give advice. I'm 23 and make around 85k a year USD. I only have a couple years of credit history, with an open auto loan, and two credit cards, one with a 1k limit and the other a 2k limit. I keep both paid off and really only use the cards to get cash back. My FICO is 789, Equifax 722 and TransUnion 735. That being said, I want to buy an OLED TV and would like to get as much cash back as possible (as I can just pay it off with cash anyway) so I was interested in getting the Best Buy cc and using the 10% back sign on incentive to get a few hundred bucks back on my purchase.
The biggest reservations I have are getting approved (as the 1k limit card I just got on January 1st.) and also having a high enough limit to accomplish what I want to accomplish in the first place. Does anyone know what my chances of approval are, and doors anyone think this is a good or bad idea?
Jacob Reed
What do you do for work? I'm 23 as well
Camden James
Just get a real credit card with cashback forever (Citi Double Cash gives 2% on everything) instead of a faggoty retailer card
Landon Ortiz
You sound like a fag
T. 23 yo
Brandon Gray
The bestbuy card sucks and does nothing for your credit. You'll get approved with that kind of salary and credit score for anything. You're obviously doing something wrong.
Go to thepointsguy and see what he's shilling. You should get a chase or amex card that gives you massive points, hello free travel!
Brody James
Yes you will get approved. The way credit works is you get credit if you use credit. Holding your cards with no balance will not help your credit. It’s best to make some small purchases like gas or groceries and pay it off every month. You don’t even need to pay it off in full if you have a larger balance. There’s no reason not to pay the card off if you want to though. Every time you make a monthly credit card payment it will report to your score and help it go up.
>820 creditfag reporting
Brody Cruz
Best buy card has been ranked worst card of the year multiple times
Asher Bennett
>general credit thread >huge mound of cash dot jpeg interdasting approach OP
Samuel Cook
>I'm 23 awww
Easton Hernandez
With 85k income and 740+ credit score you should have zero problems getting a $20k+ limit on a credit card...
The real question is, why do you need to use even 1/10th of that limit? Never buy something you don't have the cash for. And rarely are those "open a credit card and save X" worth it. Just buy the TV in cash or better yet don't spend fucking $1000 on a TV. Isn't a 60'' TV like $500 these days? Wtf TV do you need?
