Chase Freedom Credit Card

Since the economy is starting to recover, banks are more willing to lend money now. After searching on slickdeals.net for some deals, I found a promotion going on for the Chase Freedom credit card. It is offering customers 30,000 points after spending more than $500 in the first 3 months of receiving the card. This is also a cash back card, which means you earn points for every purchase you make. Chase Freedom offers 5% cash back on qualifying purchases up to $1,500 per quarter and unlimited 1% cash back on all other purchases.

This is an awesome deal considering they have been offering only 10,000 points bonus a few months before.

I applied right away and got on instant decision -- approved!

A card was sent home 7 days later. I cannot wait to spend money to get that bonus!

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Credit Limit Increase: American Express Costco TrueEarnings 1

Summer is here, and my family wants to travel. Since American Express Costco TrueEarnings offers 2% cash back on airlines, hotels, rentals, etc., I thought I could use the credit card to book something.

My father and brother decided to go to Netherlands for a few weeks and the tickets we were looking at were pricey! It was over my original credit limit of $2,000, so I decided to call Customer Service and request a credit limit increase (CLI).

A friendly representative answered my called, and I inquired about a CLI. I explained to her my situation, and she understood completely. Without asking me for any other questions about income or employment, she doubled my credit limit just like that! In addition, I asked if there was hard pull on my credit, and she said no! Awesome!

American Express truly does have the best customer service of all the banks I have dealt with! I am a customer for life!

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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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Getting My First Credit Card

Success! My very first plastic currency!

Details
Bank: Bank of America
Type: BankAmericard Visa
Credit limit: $1000
APR: %0 for 12 months; 16.24% thereafter
Annual fee: $29/year
Benefits: none

How I did it
I first got my checking account during high school when I was 16 at Bank of America. They offered free checking and savings account for students. That means I did not have to pay the $12 monthly maintenance fee as long as I was still in school (up till age 23).