Advice needed on closing a credit card
I'm planning to close my BOA Amex card since am not using this since the last 3 months. The reason being I have another Amex card that has better rewards. This is NOT my oldest card too
Categories: Finance Tags: amex, boa, card, card-since, credit-card, even-though, history, oldest, oldest-card, reason-being, since-the-last, the-history
Questions on Building Credit
This is my first post on this board, and I just wanted to say I have read through many of the other threads and found them very useful. Thanks for all the great advice ;) I turned 18 earlier this year, and am trying to start building a credit history as I hear potential employers check it, and it will be important for my first mortgage/auto loan.
Categories: Finance Tags: account, banks, cards-as-method, counted-as-part, credit-card, fico, goals, history, money, month, only-the-money, outstanding, spend-the-money, traditional
Applied for credit 7-years post-BK, my experience (hooray for Capital One!)
Figured I'd add a data point for others dealing with BK and searching for stories. Quick background first to put into context: 7 years ago, I was a stupid irresponsible college kid, racked up debt, went BK
Categories: Finance Tags: always-at-least, better-the-last, capital, card, chase, companies, credit, credit-score, history, invitation, survive-the-big, time
Interesting issue with my Zync card.
I've had the card for just over a month now. Last month I racked up $300 in charges in the first few days, then paid it off, then had around $1400 charged on it when my month ended, and I was emailed my due date of the 25th of this month.
Categories: Finance Tags: activation, card, debit, history, limit, month, morning, never-activated, problem-putting, questions, statement
Approved for Amex Platinum (Upgrade)
Hey Guys, I figured I would share an interesting story.
Categories: Finance Tags: accounts, card, from-the-denial, history, interesting, letter, money, nothing-on-file, payment-history, platinum, platnium, receive-the-new, time, uncle-money, utilization
Secured credit card, which one to apply for?
I would like for DH to take out a secured CC in order to bring up his scores: TU 632, Experian 579 Equifax 588. He can not get approved for anything right now: car or CC due to his history. I am reading on line not to get a card that reports it as "secured" as this will effect your score
Categories: Finance Tags: equifax, experian, get-approved, his-scores, history, how-long, line-not, reading-on-line, right-now, score, scores, take-out, your-score
Credit card Company Recommendations?
I have never had a credit card before and wanted to know who to go with that will: Report monthly Report to all 3 CBs Start with a limit of 500 or higher Every Pre- Approval I ever got was sliced up and trashed. The first place I was going to try was my credit union
Categories: Finance Tags: approval, credit, credit-card, first-place, guess-maybe, history, recent-baddies, recently-been, suggestions, years-ago
Complicated AMEX Dilemma
Every now and again, the last time being two months ago, I receive a settlement offer letter from AMEX in the amount of $411. I cannot remember when last I had an AMEX card, there is no AMEX history on my credit reports, but is probably in the range of 10-15 years old.
Categories: Finance Tags: appear-as-paid, credit-reports, debt, despite-having, gold, history, paid-the-debt, really-remember, requests, will-the-charge
Applied for Nationwide personal credit card
I applied for Nationwide Personal credit card ....
Categories: Finance Tags: application, apporved-since, day-message, decision, history, nationwide, new-acounts, then-it-asked
Barclaycard Approved – TU / Question on CLI
Hi Everyone -- Just wanted to say that I was just approved (instant) for a $1490.00 CL with Barclay (Apple Card). I just pulled my TU FICO score off this site and it's at 767 -- A tremendous improvement from my 598 a year ago! Here are some of my stats: Income = $60,000.00 Credit History = 15 years Utilization = 0.00%/ 100% available Capital One = $500 CL (opened 03/2007) Capital One = $750 CL (opened 09/2009) Orchard = $900 CL (opened 04/2007) Orchard = $2000 CL (opened 04/2007) Inquiries = 5 (before applying for barclaycard) 3 installment account being rated; 30 day late = 1.4 years ago on installment account Hopefully this helps a few of you gague your chance of approval...
Categories: Finance Tags: account-being, apple-card, barclay, capital, chance, credit-history, credit-limit, credit-line, history, larger-initial, orchard-bank, really-dislike, such-as-bofa