What do ya'll think I should do?..

Originally posted by hondaman-iac
my dad used to pay off his balances as they came. i payed like half and then the next month the other half. cc and preety much everyone else looks to get your money. if you don't let them get a finance charge once in a while they won't like that and you will get declined pretty easy. i look at my dad's credit and he still has the regular cc's and i went to platinum. i can go out and buy a 25k car with no money down and he qualified for only 11k. needlesss to say he makes a lot more than i do, and i still have the better credit because i let the cc comanies get some of my money. the problem is don't let them take too much tho.

Dude, my parents never carry a balance and always pay in full. Always have. They continuously get offers for Platinum or get their cards upgraded to platinum. They've had cards with 30k+ limits.

I've never carried a balance either, and one of my only 2 credit cards is platinum, the other is Blue. Every offer I get in the mail is for platinum.

Does your father have lots of credit cards? That could easily be why he wouldn't qualify for much. It all depends on your credit/earnings and debt/credit ratios (well, and credit history). If he has too much debt and not enough earnings, then he won't qualify for higher credit on any given card.

However at the same time, credit card companies have been aggressively targeting college age customers because they tend to rack up lots of expenses and carry high balances for long terms.....chu-ching!$$$ But those wouldn't be platinum cards, they'd be low credit limit high interest cards usually.

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