Got a quick question: What store can I get a re-loadable Visa Discover Card gift card? Many thanks for any answer or 2. 2nd question I got is.. Hello Everyone! Needing some advice from you who have been there/done that and can help me out..

Here is my current situation/status: 22 year old, turn 23 at the end of March and I'm looking to improve my credit in hopes to either buy a car/house later in life. Looking for ways to help increase my credit score currently so I'll be in a good position to make larger purchases down the line..

What I've got/done so far:.

1. Got a Crap 1 credit card(first card, had zero credit at the time) March of this year will start my Third year with the card. Have had.

0.

Late payments, if I didn't pay in full I always paid WELL over minimum and I pay the bill as soon as it becomes available to do so online each month. Only had one CLI the entire time I've had the card and that was the "automated" one that came automatically after having the card for 6 months. Current CL is $500 on the card. *.

EDIT.

* Just wanted to note, I have tried for a CLI multiple times, both the automated service when you call and talking to a rep. A buddy of mine(member of this forum) even gave me a "magic number" or something he called it to call and I still got denied(this was about 5-6 months after the first and only CLI, haven't tried since then with the "magic number". FWIW, I tried this morning through the automated system and got denied again..

2. Got a small loan from the bank 8 months ago, personal loan, have always paid over minimum and paid early. It was a 24 month loan and it was for $2500. How long should I keep this before I pay it off? Was going to pay it off early because I was planning on buying a car this June/July but I think I'll skip that this year and wait till next because I'll be in a better situation then. Should I keep paying (with Discover card) on it or should I pay it off and move on to something else to help my score?.

3. Got a marathon gas card(just the basic card) that I pay in full every month. Only make small purchases of gas with this(no more than 100$ a month) and as stated it's paid in full as soon as the bill comes in the mail and I mail it back(I don't like their online system). Had this Two-Three months now, current CL on this card is $250..

So there is what I have in my name/credit history at this time. Never had anything against my credit in a negative way and I don't ever plan to. I do plan on starting college this Fall semester, so please keep that in mind when giving me advice. Hopefully that's enough info above for everyone to steer me in the correct path. Right now I'm part time at O'Reilly's Auto Parts and work on the family farm for cash flow. Looking to figure out what career I want to get into this year and start college in the fall as stated.

I know how important it is to have a good credit score/history in my future, that's why I'm here. Suggestions/Comments please..

Thanks,.

-Dave.

This post has been edited by.

92GreenGT.

: 11 January 2010 - 11:25 AM..