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Thread: Credit card advice

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    Default Credit card advice

    My care credit card will be paid off this month, I'll keep it open for emergencies if they let me, but as of now I have nothing I want to put on it. I owe 12k on my car, I make extra principle payments, and it will be paid off in 2 yrs. I have 11k in student loans, now that my care credit is paid I'm putting the hefty payments towards these so they should be gone in 2 yrs as well. I will probably trade my car in not long after paying it down as the mileage will be pretty high by then so I'd have new car payments. I have rent, cell, and utility bills in my name always paid on time.

    My goals are to buy a condo in 1-2 yrs, perhaps later some rentals, and then start a small business when I phase out of dancing.

    I get credit card offers in the mail constantly but never read them. I'm starting to think I should open one and pay it off in full every month to continue having credit history. Am I right in thinking this? Also, am I far enough away from my window of looking to get a mortgage that the credit pull from the credit card company will not effect me? If this is something I should do how do I pick one.. There's so many out there? I feel silly for not having a single credit card but until recently I didn't know there's a responsible way to have them..

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    Default Re: Credit card advice

    Yes, personally I would get a credit card with the restriction of keeping use to a minimum each month and paying off the balance every month to avoid finance charges. Which one? Depends on what you might be looking for. Frequent flyer milage? Credits to your account towards purchase of vehicle in the future (GM mastercard) ? Discover which gives you cash back and has quarterly specials where the % is upped from 1% to 5% on categories. Bank of America has 1-3-5% cash back that can be dispersed automatically into your account or as credit to your account when it reaches $25. No need to get a card that has an annual fee as there are plenty out there that don't charge you. Personally, I would go with Discover but as long as you pay it off each month there is little need to consider the interest rates on the various cards.

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    Default Re: Credit card advice

    Quote Originally Posted by GummyBear View Post
    I'm starting to think I should open one and pay it off in full every month to continue having credit history. Am I right in thinking this?
    Yes. You want to have available credit; it makes you a better risk for things like a loan for a condo. Open revolving credit it also good for your credit score. Just get a card with your bank that has no fees. Rebate rewards cards can be decent, or if you want to earn points for something, but if you're only planning on using it to have available credit, it really doesn't matter what kind of card it is since you won't be earning that much.

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    Default Re: Credit card advice

    Quote Originally Posted by GummyBear View Post
    My care credit card will be paid off this month, I'll keep it open for emergencies if they let me, but as of now I have nothing I want to put on it. I owe 12k on my car, I make extra principle payments, and it will be paid off in 2 yrs. I have 11k in student loans, now that my care credit is paid I'm putting the hefty payments towards these so they should be gone in 2 yrs as well. I will probably trade my car in not long after paying it down as the mileage will be pretty high by then so I'd have new car payments. I have rent, cell, and utility bills in my name always paid on time.

    My goals are to buy a condo in 1-2 yrs, perhaps later some rentals, and then start a small business when I phase out of dancing.

    I get credit card offers in the mail constantly but never read them. I'm starting to think I should open one and pay it off in full every month to continue having credit history. Am I right in thinking this? Also, am I far enough away from my window of looking to get a mortgage that the credit pull from the credit card company will not effect me? If this is something I should do how do I pick one.. There's so many out there? I feel silly for not having a single credit card but until recently I didn't know there's a responsible way to have them..
    Congrats on making positive steps towards good credit. Now is the time to educate yourself. Two websites I always recommend .... www.annualcreditreport.com is a government sponsored website that will give you a free credit report from each of the credit reporting agencies. What I do is pull one from each agency every three months or so. It is a customer friendly report that is easy to read. Just by going thru this process it will teach you alot about credit itself. Raw credit reports ONLY look at on time payments for loans and lines of credit. Nothing else matters to them (utilities bills do not build credit). Paying off a credit card each month builds as much credit as carrying a balance.

    Then go to www.myfico.com to learn about your FICO score. They have a great education section. A FICO score takes your raw credit score and factors in percentage of available credit, long standing credit history, etc. The education section goes over all the things that impact your FICO score. So yes if you can keep this credit card open that will help your FICO score. FICO scores is the score that is actually used for most lending ie mortgages and cars. The max number of credit cards you should have is three. But having one you use each month and pay off is enough to build credit.

    Having processed loans for condos in the past five years, my advice is do NOT buy a condo unless you are in a major metro area like DC, New York, or LA. Alot of lending regulations have changed for condos. One of which is ... the FHA now requires that the complex you purchusing the condo is has to be 51% owner occupied. Which is nearly impossible to find anywhere. Because of that condos are nearly impossible to sell. There has been alot of foreclosures in condos. If you do decide to buy a condo anyway find a good realtor or lawyer and make sure you get an apparsial. Many owners are now trying to sell properties by "financing" the sell with rent to own contracts. They over value the property and have you locked into a contract. When you cant get a reg mortgage for it in time they then sue you while keeping the property in the end. It is a new scam I have seen happen to alot of people.

    Do research on starting a business. Take classes at the Small Business Administration SBA either online or at an office near you. Research real estate. Talk to realtors and mortgage brokers. Know all that you need to know before you do anything in finance. Knowledge is power.
    Nature knows no indecencies; man invents them. ~ Mark Twain


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    Default Re: Credit card advice

    Since you are seeking a 'generic' credit card to help build credit now, as well as potentially seeking a personal real estate mortgage loan, an auto loan etc. in the near future. You also appear to be considering 'commercial' banking services in the future i.e. 'commercial' real estate loans to purchase rental properties and potentially 'commercial' small business services such as a credit card merchant account. Thus I would recommend establishing a banking relationship with an institution which offers ALL of these financial services under one roof.

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    Default Re: Credit card advice

    keep in mind that temporarily a new credit card will hurt your credit because of the hard pull (which could be several if you shop for cards) and because its new. after 12 months (I think, thats what it was for me anyway) when you pull your credit itll be fine but before that there will be a ding for a "new account." just keep that in mind if you want to get your condo or anything else within a year of getting a new card.

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    Default Re: Credit card advice

    Thank you for all the advice! I just opened one with my regular bank. I read your response after, Melonie, but it seemed logical to stick with the bank I've had a checking account with for the past 5/6 yrs. My car loan is with another institution, I let the dealership set it up, tho.

    So now, does it matter how much I spend on it per month? If I only put gas (probably $100-$150/ month) will they take away some of my available credit? I know the goal is to have lots available and only use some of it.

    Thank you for all thr info, Vamp! I didn't know I could check my credit every 3 mos, so I will do that from now on. You seem to really know your stuff! Interesting about the condos. I knew most HOA put limits on how soon and how many units can be rented, I did not know the FHA had regulations. If I bought it would be near a major city. I have two locations in mind, I browse Zillow etc at least weekly. I just have to decide if I want to stay put or not. I don't plan on starting my business for a good 5-10 yrs, but it would be in the location I want to move to. There's so much up in the air right now that's out of my control, so I need to wait and see if I'll ride it out here for several more years. But hearing that I may not even be able to rent my unit out makes me think its better to buy where I want to put my roots down. Plus there's units being advertised with tenants already in them if that's something that interests me later..

    I will look into the SBA online classes.. I knew you could talk to them about a business plan.. But I love that I can learn more online in the time being. Just trying to learn as much as I can now that I have plenty of years in the club ahead of me, rather than scramble to figure it out later.

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    Default Re: Credit card advice

    Yea, I wasn't sure about that, Charlotte. Last year I asked for more credit on my care credit card not knowing about the hard pull, and then found out the hard way. If it affects me for 12 mos then I should be in the clear, as next summer would be the absolute soonest I would want to buy. Thank you, I was wondering about that.

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    Default Re: Credit card advice

    If you have the discipline to pay the entire bill every month, it is convenient to put everything on a credit card. You will have all your expenditures for the month conveniently listed on one place.

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    Default Re: Credit card advice

    Yes, what you spend and charge will temporarily take away from your credit. If you have a credit limit of $5,000 and charge $150....your available credit will drop to $3850 until you pay your bill and then it will go back up once bill is paid. It doesn't matter if you charge a little or charge a lot during the month as long as you pay the entire bill off. When you get to the point you want them to use this card to determine other credit worthiness....I wouldn't charge anything and it will show more credit available along with the history of timely payments.

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    Default Re: Credit card advice

    ^^^ actually, from the point of view of overall creditworthiness, lenders will consider the $5k credit limit as $5k already owed to another lender ... because the cardholder is able to run up $5k of credit card 'debt' at any point in the future.

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    Default Re: Credit card advice

    So, they want you to have a line of credit so they can determine actual debt / credti ratio and then because you have that line of credit they hold it against you because that credit is available to you. Wonderful.

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    Default Re: Credit card advice

    I haven't gotten a mortgage in the US for about 10 years, but for my foreign mortgages, I simply pay down and cancel the credit card or lower the credit limit substantially before applying for the loan. Not sure if that would work currently in the US or not.

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    Default Re: Credit card advice

    ^^doesn't it hurt your credit to cancel accounts?

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    Default Re: Credit card advice

    Quote Originally Posted by charlotte. View Post
    ^^doesn't it hurt your credit to cancel accounts?
    Long standing credit history is one of the things that will increase your FICO score. What I tell my clients ... which ever credit card you have had the longest; leave open... all other credit cards you can close if you want to.
    Nature knows no indecencies; man invents them. ~ Mark Twain


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    Default Re: Credit card advice

    Percentage of available credit vs dollar amounts of credit limits....

    Percentage of available credit does impact your fico score. If you have a 5k credit card with a balance of 4000, 80% of your credit is used and only 20% is available. This will bring your FICO score down.
    If you have a 10k credit card with a 4k balance 40% of your credit is used and 60% is available. The impact to the FICO score is much less because the percentages are different.
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    Default Re: Credit card advice

    Quote Originally Posted by Melonie View Post
    ^^^ actually, from the point of view of overall creditworthiness, lenders will consider the $5k credit limit as $5k already owed to another lender ... because the cardholder is able to run up $5k of credit card 'debt' at any point in the future.
    The only time I have ever seen this considered when processing a loan is if the person had too many credit cards or too much debt overall. Lenders tend to see anything more then three credit cards as too much. This is where it becomes about the overall picture of the report. But this issue does NOT impact your credit or FICO score. It only impacts a bank's decision process.
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    Default Re: Credit card advice

    Hard pulls (pulling credit report for possible lending or purchase) only start impacting your score if you have more then three in a short amount of time ie a month. But if you are say shopping for a car and go to a few dealers all within the same week it only counts as one pull of the credit report. It has to be within one week and for the same kind of purchase. When calculating the score the system will process it this way based on coding. Not all bankers realize this though.

    Hard pulls stop impacting the credit score within three months.

    If you keep the hard pulls of your credit report to a minimum they wont impact your score hardly at all at the max 20 or 30 points. But if your score is already low from other issues that 20 or 30 points can have a huge impact.
    Last edited by Vamp; 06-07-2013 at 09:52 AM.
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    Default Re: Credit card advice

    Once again keep in mind your credit report ONLY takes into account your on time payment history. Your FICO score factors in other things ...
    this link is an educational page about FICO scores http://www.myfico.com/CreditEducatio...YourScore.aspx


    All of this is generalities though. Every bank and financial institution has their own policies as well. For example, one credit union i work for added 100 points to a FICO score if the person had a mortgage for more then 10 years. That is what they felt was important.

    Another bank I worked for wouldnt approve anyone with collections. Even if the FICO score was strong and they had one small collection, they still were declined.
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    Default Re: Credit card advice

    Quote Originally Posted by GummyBear View Post
    Thank you for all the advice! I just opened one with my regular bank. I read your response after, Melonie, but it seemed logical to stick with the bank I've had a checking account with for the past 5/6 yrs. My car loan is with another institution, I let the dealership set it up, tho.

    So now, does it matter how much I spend on it per month? If I only put gas (probably $100-$150/ month) will they take away some of my available credit? I know the goal is to have lots available and only use some of it.

    Thank you for all thr info, Vamp! I didn't know I could check my credit every 3 mos, so I will do that from now on. You seem to really know your stuff! Interesting about the condos. I knew most HOA put limits on how soon and how many units can be rented, I did not know the FHA had regulations. If I bought it would be near a major city. I have two locations in mind, I browse Zillow etc at least weekly. I just have to decide if I want to stay put or not. I don't plan on starting my business for a good 5-10 yrs, but it would be in the location I want to move to. There's so much up in the air right now that's out of my control, so I need to wait and see if I'll ride it out here for several more years. But hearing that I may not even be able to rent my unit out makes me think its better to buy where I want to put my roots down. Plus there's units being advertised with tenants already in them if that's something that interests me later..

    I will look into the SBA online classes.. I knew you could talk to them about a business plan.. But I love that I can learn more online in the time being. Just trying to learn as much as I can now that I have plenty of years in the club ahead of me, rather than scramble to figure it out later.
    Your welcome and Thank you I have worked in banking and finance for the past 14years!

    As long as you are not maxing out your credit cards every month it isnt an issue. If you pay off your card every month, on time, will build credit. Even you are buying a pack of gum and paying it off. What you want to show is the on time payment.

    As far as the condo is concerned..... The HOA has to now report how many of their condos are owner occupied. IF they dont report it... all possible FHA loans for that HOA are declined.
    Owner occupied means just that.... the owner of the mortgage has to be living in the condo. The condo can not be rented out.
    What that means is that the resale possibilities for condos drop thru the floor. Which causes alot of other issues.... high foreclosures, disgruntled owners,.... then the unkeep goes down hill... then even if you just wanted to rent it out... it becomes hard to find tenants.

    Im just pointing this out to show the big picture. In my opinion there are too many variables with condos to even bother with them. You get more bang for your buck with regular real estate without all the what ifs.
    Nature knows no indecencies; man invents them. ~ Mark Twain


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    Default Re: Credit card advice

    Quote Originally Posted by Vamp View Post
    Hard pulls (pulling credit report for possible lending or purchase) only start impacting your score if you have more then three in a short amount of time ie a month. But if you are say shopping for a car and go to a few dealers all within the same week it only counts as one pull of the credit report. It has to be within one week and for the same kind of purchase. When calculating the score the system will process it this way based on coding. Not all bankers realize this though.

    Hard pulls stop impacting the credit score within three months.

    If you keep the hard pulls of your credit report to a minimum they wont impact your score hardly at all at the max 20 or 30 points. But if your score is already low from other issues that 20 or 30 points can have a huge impact.
    that wasnt true for my case, I had one hard pull from 4 months ago and it showed up as a ding when I pulled myfico score 2 months ago. also when I had about 6 hard pulls all from the same day 3 or 4 of them showed up on my experian report, this was over a yr ago btw. yeah im pretty sure they don't have a huge impact on your but they are annoyingly labeled "red flags" or something equally as pejorative, they literally list them in the same way they list collections or bankruptcies so if a human is viewing your report it just looks bad. when I recently pulled my myfico ny score was still reasonable (680) even tho I had a really high debt ratio and a collections I didnt know about ($20 pg&e lol) which I know are way more important than the hard pull but it would suck if you wanted to get a condo and the line to get a great mortgage was 750 and your one hard pull took you from 755 to 745 and all of a sudden you were automatically denied.

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    Default Re: Credit card advice

    Quote Originally Posted by charlotte. View Post
    that wasnt true for my case, I had one hard pull from 4 months ago and it showed up as a ding when I pulled myfico score 2 months ago. also when I had about 6 hard pulls all from the same day 3 or 4 of them showed up on my experian report, this was over a yr ago btw. yeah im pretty sure they don't have a huge impact on your but they are annoyingly labeled "red flags" or something equally as pejorative, they literally list them in the same way they list collections or bankruptcies so if a human is viewing your report it just looks bad. when I recently pulled my myfico ny score was still reasonable (680) even tho I had a really high debt ratio and a collections I didnt know about ($20 pg&e lol) which I know are way more important than the hard pull but it would suck if you wanted to get a condo and the line to get a great mortgage was 750 and your one hard pull took you from 755 to 745 and all of a sudden you were automatically denied.
    When you get your credit report from a consumer inquiry site, it looks different then what a loan officer will see. The consumer reports lists all the negatives as the same. The credit reports the banks get look like something from the stone age. It has alot of codes listed, separate listings for inquiries vs collections vs bankruptcies etc.

    The important question is how does this impact the score? The hard inquiries will always show up on the report for a year that is true. The impact to the score is different though. Just because they show up on the credit report doesnt mean they are still impacting your credit score in the same way. They do NOT count against you in the same way a collection or bankruptcy would at all. Loan officers are trained to look at credit reports. The loan officer does not approve or deny your credit though. An underwriter is the one who decides who is approved and denied. The underwriter is also trained to view credit reports.

    If you have a score over 700 you wont be denied. The higher the score the better interest rate and terms you will get though. Your collections are weighing down your score more then the inquiries.
    Nature knows no indecencies; man invents them. ~ Mark Twain


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    Default Re: Credit card advice

    Everyone has been so helpful, I thank you all so much! So now that I have the card I'm trying to figure out what to use it for. I know I can just put gas, groceries etc. Slowpoke put an idea in my head.. I've have all my bills auto drafted throughtout the month from my checking for years now. I just make sure to regularly deposit what I need and I never fall behind bc I didn't check my mail or something. And it is convenient to see what my costs of living are. But let's say I start using my credit card for this. I have a reward card so now I could earn a round trip domestic flight a year vs a few bucks off. Do I have to wait until I get my bill to make one large payment in order for my spending to be reported? Or can I make several transfers a month from checking to card (same bank) as bills come up?

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    Default Re: Credit card advice

    I think it would be easiest just to do one payment a month, though your total amount spent on the card should still be reported accurately. I'd call and check with the bank though.

    As far as your earlier question about credit being taken away, yes, if you have a card with say a $10k limit and you only ever use $500 of it, they will lower your limit. This happened to my boyfriend, when he was obsessed with getting an 800 score; right after he got it, the banks started decreasing his limits because he never used anywhere near them (and of course, his score went down... punishment for not using all your credit, so silly).

    Inquiries stay on for 2 years, collections for 7 I believe... I was also told that the type of collection matters; I have a couple for about $300 in medical bills from 4 years ago, and they have never been a problem; a couple of friends in banking have said that medical collections are dismissed more than things like unpaid credit cards and whatnot. Could be a rumor though.
    "People jack off with the left hand and point with the right."

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    Default Re: Credit card advice

    I never go near my limit on my credit card and pay it off in full every month and I've always gotten increases when I've requested them.

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