You have a CPN credit score, Now what?
Get a Primary Tradeline If You Haven't Yet
If you have been communicating with us we are pretty sure you have herd us talk about Primary Tradelines. Probably more than once. You may have even been annoyed by how often we bring up Primary Tradelines.
Well here is why:
A new credit score above 720 WITHOUT a Primary Tradeline:
Low approval amounts $300-$1,200
1 credit card application approval recommended 1st month until you build off that low grade account
A new credit score above 720 WITH the a Primary Tradeline:
You have a 3 bureau reporting primary account on your credit file, not just an Authorized User account
The credit approval algorithm now sees address verified as well as a few other factors
Medium approval amounts $1,200 – $7,500
Primary Tradeline takes around 3 weeks to post
SMS Us For THE BEST Primary Tradeline List
Before adding a Primary Tradeline make sure your address forward was sent at least 3 days prior to signing up for any accounts that send you mailings, so the new card forwards to you automatically.
Use only your new CPN file info to sign up
After your primary tradeline gets approved wait a week then check your credit monitoring every few days until the primary tradeline account hits your profile.
SMS Us For THE BEST Primary Tradeline List
AFTER YOU HAVE A FEW EASY INTRO CARD OFFERS APPROVED ONLY THEN CAN YOU START ADDING THE FOLLOWING CARDS BELOW.
ASK US FOR THE BEST OF THE BEST FIRST BANK ACCOUNTS AND CREDIT CARDS TO START OFF WITH ON YOUR NEW CPN FILE BEFORE APPLYING TO THE CARDS BELOW.
Best 0% APR Credit Card Offers October 2022
Start off strong with a low intro APR
Make moves with your new credit with 0% intro APR for 18 months from opening your account on purchases and balance transfers with the following awesome credit card offers.
Credit card companies charge higher interest rates than most any other financial products on the market, but with 0% APR timeframes, some 0% APR cards let you avoid interest payments on purchases, balance transfers or both. When comparing 0% APR cards, be aware some lack other features such as rewards and other perks, and may not be of much use after the introductory period ends.
We’ve rounded up some of our top picks when it comes to 0% APR cards to help you decide which card is right for you.
CHASE Slate Edge:
Do not apply for this credit card account without a primary tradeline account on your file like Self Lender
Do not apply for this credit card account for the first ever card you apply for on you new file
Credit Needed: Good/Excellent
0% APR for 18 months!
No Annual Fee!
We think this is super sweet! Manage your new account with confidence while interest rates and fees don’t run away from you.
However, when the intro APR term ends you want to check if the CHASE Slate Edge account hits you at a high APR when the new charges start 18 months after card being used.
If they just have your variable APR at the highest level then the intro APR deal is going to cost you big dollars in the long run.
At some point you might consider cutting ties with the account if they just start taking advantage of you.
Its better to pay off the card and close the card in good standing than hold on to the weight of a financial anchor you cant keep afloat.
If you can manage your habits through focus and self discipline you can responsibly manage your new accounts with a plan, intention and purpose towards your financial and life goals.
Now if you just got your score posted then the next ones you want to pay attention to.
OK, enough carrying on, what’s next…
Next up we have the:
Capital One Quicksilver Cash Rewards Credit Card
This is a good option for your first card when you have a primary tradeline on your account and and authorized user account on your credit file.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Next we have:
Citi Rewards+® Card
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases
We have more credit card updates coming as well as pre authorization offers that don’t take points off of your credit score from hard pulls.