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Best way to build credit?
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[QUOTE]Originally posted by Venomized93: [QB] [QUOTE]Originally posted by NiftyWhiteFifty: [qb] I'm trying to build good credit. I got one credit card right after i turned 18, two years later (last summer) i tried to apply for an auto loan and they refused me for "lack of credit" the people at wells fargo financial said that they don't usually give a loan to someone who has less than three open credit lines on good standing. So right now i have two credit cards. I pay them on time every month and try to pay the balance in full every month. I've considered getting a third credit card because of what the banker told me about having a minimum 3 open credit lines in order to qualify for a loan. Do you think this is true or should i just keep the two credit cards i have now? I am very responsible on what i buy on credit and as i said, try to pay off the balance in full every month. [/qb][/QUOTE]Are you still in school? If so, you need to get an AMEX. I cannot stress how much AMEX limits will not be matched. If your a student (which I have referred to friends) get this card: [URL=https://www124.americanexpress.com/cards/loyalty.do?page=bluestudent&Card_name=BlueStudent&link=CARD_SELECTOR]Here[/URL] . AMEX has treated me well since day one. If you say your credit is clean and you have two cards already and are a student. Trust me, this is the card to get. Because once you get approved "Your in". After you register your card or make first payment, you credit limit will increase (doubled). When you make your 2nd or 3rd payment your credit limit will increase. I can almost gaurantee you. I referred 5 people and it's happened to them all. [/QB][/QUOTE]
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