Building Credit After College

Reporter: Nick DiUlio

Publication: CreditCardForum


Deadline: May 3, 2017 5:00 pm

I’m writing an article tailored to recent college graduates who just landed their first job. What is some advice for using that to their credit advantage? A few possible approaches I’m considering are: 1. Should you use your income to qualify for a card with a good limit/better rewards? 2. Should you ask your issuer if you can upgrade your student card to a better card in their portfolio (now that you’re making money)? 3. Don’t use your increased income as an excuse to spend more and get into debt/high utilization. In addition to these, what are some other key credit-building considerations for new college graduates who’ve landed their first job, and how they can use their newfound employment to build their credit? If you have any insight on this I would love to hear from you!

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