He got the Discover Student Card with a $1500 limit. Reported $15k income. He started with a score of 720 per EX. Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month. I thought the Amex would be reporting a small balance for him, but apparently not. I also had him apply for the Savor One card just to have a stronger base with 2 cards if possible. We’re waiting to hear back from Capital One on that though. They asked him to upload his driver’s license and SS card. He was pre approved for it though.
Post

My 18 yr old just got his first card!

1 of 10
A year ago
Thu Aug 03, 2023 8:02 pm
User avatar
Tinkegrrl
Seasoned Rebel
Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 6 days, 20 hours, and 32 minutes Next Level in23 days, 3 hours, and 28 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 6 days, 20 hours, and 32 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 23 days, 3 hours, and 28 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 6 days, 20 hours, and 32 minutes ago
He got the Discover Student Card with a $1500 limit. Reported $15k income. He started with a score of 720 per EX. Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month. I thought the Amex would be reporting a small balance for him, but apparently not. I also had him apply for the Savor One card just to have a stronger base with 2 cards if possible. We’re waiting to hear back from Capital One on that though. They asked him to upload his driver’s license and SS card. He was pre approved for it though.
Tinkegrrl
User avatar
Seasoned Rebel
  • Score data EX8 764 TU8 767 EQ8 767
7
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Re: My 18 yr old just got his first card!

2 of 10
A year ago
Fri Aug 04, 2023 5:25 pm
User avatar
Tinkegrrl
Seasoned Rebel
Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 6 days, 20 hours, and 32 minutes Next Level in23 days, 3 hours, and 28 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 6 days, 20 hours, and 32 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 23 days, 3 hours, and 28 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 6 days, 20 hours, and 32 minutes ago
He just got the Savor one card now too. Applied for both last night, but Capital One needed to take a look at his driver’s license and ss card. $500 limit on that one, but it’ll come in handy for Uber Eats, going to the movies, dining, etc…
Tinkegrrl
User avatar
Seasoned Rebel
  • Score data EX8 764 TU8 767 EQ8 767
3
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Re: My 18 yr old just got his first card!

3 of 10
A year ago
Fri Aug 04, 2023 6:52 pm
User avatar
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 32 minutes Next Level in6 days, 3 hours, and 28 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 32 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 32 minutes ago
Tinkegrrl wrote: ↑Thu Aug 03, 2023 8:02 pm Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month.
It would be great to get a data point with one of those AU cards reporting 1-4% utilization, with $0 reporting on his own cards! No pressure, of course! I've never seen that on a new credit file. Could be a pretty good gain above 10 points, considering my friend's first credit score was 750 with a single card and 4% reporting. Her non-AU AZ loss is -20 points on EX8, -12 on TU8. We already know from someone at MF that an 18 year old can get to 800 in 2 years (20th birthday was his goal) with 4 cards. My friend is at 788 now with a single card at 2y0m.
Cassie
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Developer
  • Score data EQ8:790 TU8:790 EX8:795
0
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Re: My 18 yr old just got his first card!

4 of 10
A year ago
Sat Aug 05, 2023 12:41 am
User avatar
ToxikPH
Rebel AdministratorProbably Applying for New Cards
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 32 minutes Next Level in15 days, 3 hours, and 28 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 28 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 28 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 28 minutes
Cassie wrote: ↑Fri Aug 04, 2023 6:52 pm
Tinkegrrl wrote: ↑Thu Aug 03, 2023 8:02 pm Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month.
It would be great to get a data point with one of those AU cards reporting 1-4% utilization, with $0 reporting on his own cards! No pressure, of course! I've never seen that on a new credit file. Could be a pretty good gain above 10 points, considering my friend's first credit score was 750 with a single card and 4% reporting. Her non-AU AZ loss is -20 points on EX8, -12 on TU8. We already know from someone at MF that an 18 year old can get to 800 in 2 years (20th birthday was his goal) with 4 cards. My friend is at 788 now with a single card at 2y0m.
hehe.... I wasn't that 18 y/o. I was so bad at gardening Remi hated me for it. That's how we got to 28 cards at age 24...
ToxikPH
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Rebel Administrator
1
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Re: My 18 yr old just got his first card!

5 of 10
A year ago
Sat Aug 05, 2023 2:10 am
User avatar
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 32 minutes Next Level in6 days, 3 hours, and 28 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 32 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 32 minutes ago
ToxikPH wrote: ↑Sat Aug 05, 2023 12:41 am
Cassie wrote: ↑Fri Aug 04, 2023 6:52 pm We already know from someone at MF that an 18 year old can get to 800 in 2 years (20th birthday was his goal) with 4 cards. My friend is at 788 now with a single card at 2y0m.
hehe.... I wasn't that 18 y/o. I was so bad at gardening Remi hated me for it. That's how we got to 28 cards at age 24...
You're the destroyer of fields. lol That must have been fun to watch over there, acquiring all those cards so quickly.
Cassie
User avatar
Developer
  • Score data EQ8:790 TU8:790 EX8:795
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Re: My 18 yr old just got his first card!

6 of 10
A year ago
Sat Aug 05, 2023 1:36 pm
User avatar
Tinkegrrl
Seasoned Rebel
Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 6 days, 20 hours, and 32 minutes Next Level in23 days, 3 hours, and 28 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 6 days, 20 hours, and 32 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 23 days, 3 hours, and 28 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 6 days, 20 hours, and 32 minutes ago
Cassie wrote: ↑Fri Aug 04, 2023 6:52 pm
Tinkegrrl wrote: ↑Thu Aug 03, 2023 8:02 pm Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month.
It would be great to get a data point with one of those AU cards reporting 1-4% utilization, with $0 reporting on his own cards! No pressure, of course! I've never seen that on a new credit file. Could be a pretty good gain above 10 points, considering my friend's first credit score was 750 with a single card and 4% reporting. Her non-AU AZ loss is -20 points on EX8, -12 on TU8. We already know from someone at MF that an 18 year old can get to 800 in 2 years (20th birthday was his goal) with 4 cards. My friend is at 788 now with a single card at 2y0m.
I can have one of my cards report a small balance for sure this month, but whether he will give me his score when asked is another matter. He certainly won’t for an online forum, so I’ll need to come up with another excuse…
Tinkegrrl
User avatar
Seasoned Rebel
  • Score data EX8 764 TU8 767 EQ8 767
1
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Post

Re: My 18 yr old just got his first card!

7 of 10
A year ago
Sat Aug 05, 2023 1:38 pm
User avatar
Tinkegrrl
Seasoned Rebel
Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 6 days, 20 hours, and 32 minutes Next Level in23 days, 3 hours, and 28 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 6 days, 20 hours, and 32 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 23 days, 3 hours, and 28 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 6 days, 20 hours, and 32 minutes ago
Cassie wrote: ↑Fri Aug 04, 2023 6:52 pm
Tinkegrrl wrote: ↑Thu Aug 03, 2023 8:02 pm Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month.
It would be great to get a data point with one of those AU cards reporting 1-4% utilization, with $0 reporting on his own cards! No pressure, of course! I've never seen that on a new credit file. Could be a pretty good gain above 10 points, considering my friend's first credit score was 750 with a single card and 4% reporting. Her non-AU AZ loss is -20 points on EX8, -12 on TU8. We already know from someone at MF that an 18 year old can get to 800 in 2 years (20th birthday was his goal) with 4 cards. My friend is at 788 now with a single card at 2y0m.
Also, I have no way to guarantee his own cards will report with a $0 balance on any given month, He’s already used to never using his debit card for anything. He will be using the credit cards for all his purchases.
Tinkegrrl
User avatar
Seasoned Rebel
  • Score data EX8 764 TU8 767 EQ8 767
1
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Post

Re: My 18 yr old just got his first card!

8 of 10
A year ago
Sat Aug 05, 2023 2:06 pm
User avatar
Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 32 minutes Next Level in15 days, 3 hours, and 28 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 28 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 28 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 28 minutes
Congrats to him! Two excellent cards to start with!
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
1
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Re: My 18 yr old just got his first card!

9 of 10
A year ago
Sun Aug 06, 2023 1:00 am
User avatar
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 32 minutes Next Level in6 days, 3 hours, and 28 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 32 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 32 minutes ago
Tinkegrrl wrote: ↑Sat Aug 05, 2023 1:38 pm
Cassie wrote: ↑Fri Aug 04, 2023 6:52 pm
Tinkegrrl wrote: ↑Thu Aug 03, 2023 8:02 pm Only 2 of the cards I added him to were reporting to the bureaus though. My Quicksilver and my Discover. From reason, my Amex wasn’t. Both had 0 balances because I optimized my score to grab the US Bank Altitude Go this month.
It would be great to get a data point with one of those AU cards reporting 1-4% utilization, with $0 reporting on his own cards! No pressure, of course!
Also, I have no way to guarantee his own cards will report with a $0 balance on any given month, He’s already used to never using his debit card for anything. He will be using the credit cards for all his purchases.
All good, @Tinkegrrl ! I understand how difficult it can be to line up everything just right.
Cassie
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Developer
  • Score data EQ8:790 TU8:790 EX8:795
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