u/Chemical_Selection54

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: Experian: 567 Transunion:723
* Oldest credit card account age: 0 years
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 0
* Annual income $: 30,000

CATEGORIES

* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 300
* Groceries $: 100
* Gas $: 0
* Travel $: 450
* Using abroad?: No
* Other categories or stores: No
* Other spend: No
* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Big bank customer: Wells Fargo

PURPOSE

* Purpose of next card: Building Credit
* Cards being considered: Discover Student

ADDITIONAL INFO

Basically ruined a 700 score from a Klarna purchase that went to collections due to an expired card I thought was on autopay. I’ve tried to speak to customer service but there was nothing much I could do but pay it off which I did. Now my credit is shot and I don’t know how to bounce back from it. I also wanted to apply for cards but have faced a few denials which I think hurt your credit as well.

I’m getting extremely frustrated with being a tech here. I can deal with rudeness from patients and the lack of staff rotation but at times it’s infuriating especially when the pay is not enough after enduring hours of it. I can tell it’s beginning to affect my personality which is typically bubbly to being sad that I have to come to work and be treated like a rag doll for the customers and my coworkers.

I wanted to see what others who took the PTCE recently used to learn about the drugs. laws, etc, that allowed them to pass their exam. And how long it took them to study.