He currently has 3 credit cards

He got his first credit card 8 months ago

He doesn't have any student loans

He has applied for 5 credit cards in the last year (and had 3 applications accepted)

He opened his last credit card 4 months ago

All of his 3 credit cards currently have a balance, as he has had trouble paying off his card each month

He has $4,000 currently outstanding on all his credit cards

He missed a payment in the last three months when he forgot to notify the card

company that he had recently moved out of his apartment. He was 30 days behind on making a payment.

He has no cards currently past due