>>12738828>Get a credit card but use it responsibly...>Be me>28 years old never had a credit card or car loan>Inherit my dad’s business>Had old medical bills from Emergency Room visits>Inherit piles of cash ontop of business>Inherit multiple millions in 100% paid for real estate>Make over 300k a year from business>Try to get car loan since I didn’t want to pay full price upfront>Denied>Try to get Home Depot Card to shop for supplies for real estate>DeniedApply for credit card at my bank with a co-signer
>Denied>Have to give the bank thousands of my cash to apply for a “secured” credit card>Approved>Bank tells me I’ll get my deposit back in two years>3 years go buy with perfect payment history, no late or missed payments>Capital One gives me a $500 limit which is peanuts unsecured card>Bank finally decides to give me my fucking money back and give me unsecured card>Still same credit limit, no increase>after 6 years get a 770 credit score apply for personal loan>Denied....Don’t listen to these faggots saying don’t get a credit card and start working on your credit. Get a credit card early and use it responsibly and pay it off in full every month, which is extremely difficult for a 21 yr old, use it RESPONSIBLY.... I was making a fuck ton of money and had millions in assets with full equity and I couldn’t get a fucking Lowes or Home Depot credit card or get approved for shit from the bank without giving them my money to borrow against myself and they held my deposit for over 3 fucking years....
.t self employed who learned a lot of lessons
