Hi,
I never had a credit card and I dont know if I have good credit. I want to know how do I build my credit? What is the best card to start with? If I apply for the SP will I get approved? Should I be an AU with someone? What is an AU even? I heard a Capitol One card is good..is that true? But people are saying that its three hard pulls...is that a good thing or bad thing? Im lost with all this, I just started reading up a few minutes ago and still dont have a clue whats going on!
Whats better miles or CB? Can I churn the Macys card or GAP card ??
Please can some one please spoon feed me all the info and search for me and tell me exactly how to build my credit and which credit cards I should apply for and when I should start churning. How often do people churn cards? Like 5 minutes later? What if they say no? Do I call them up and tell them I really want the bonus? Because I called Chase up and asked if I can buy my friends Chase UR points and they said no!
HELP! PLEASE ADVISE ME! I'M TOO LAZY TO SEARCH!
And I also got very jealous of a lot of members here asking the question..I felt left out. For example:
here,
here,
here,
here,
here,
here,
here,
here.
Thank you so much.