American Express Costco TrueEarnings Credit Card

After being disappointed by the measly $300 credit limit of the Chase +1 credit card, I was motivated to find a better one!

I wanted a credit card that benefited me when using it and had the potential to increase to higher limits. My research showed me that American Express offer the best customer service and usually did not require a hard pull to increase credit limits. In addition, almost all American Express cards have nice perks whether its miles, cash back, or points. What more not to love?

Even though I just opened a new account, I had to seize this opportunity immediately even if it will hurt my credit score. The next time I went to Costco with my parents, I opened a joint account with my Dad. We were immediately approved!

At age 19 and already owning an American Express credit card feels better cool considering it is pretty exclusive in my group of friends. Yay for bragging rights!

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Chase +1 Student Credit Card

After finding out that my secured BankAmericard had an annual fee, I decided to cancel it. I knew cancelling my first credit card was bad, but I really did not want to pay the annual fee. Shame on me for not reading the contract.

The next card I found was student friendly, so I applied for it. I didn't get an instant decision, but the card did arrive within 10 days of applying. It came in a matte black card with a glossy Chase logo in the center, which looked super cool... until I saw my credit limit.

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