topic Re: Need Christmas Credit Card in Credit Cards

Need Christmas Credit Card

nicholasc77 — Sun, 16 Sep 2012 21:34:50 GMT

I need a new credit card for christmas shopping

FICO : 592

2 Capital One Visa

Fingerhut

HSBC ORCHARD

WFNNB victoria secret, annie sez, ann taylor, express

Whats store or visa card has easy approval other than ge and macys

Re: Need Christmas Credit Card

LS2982 — Sun, 16 Sep 2012 21:47:11 GMT

nicholasc77 wrote:
I need a new credit card for christmas shopping

FICO : 592

2 Capital One Visa
Fingerhut
HSBC ORCHARD
WFNNB victoria secret, annie sez, ann taylor, express

Whats store or visa card has easy approval other than ge and macys

Santa says you been naughty...................Here's your First Premier card :smileyvery-happy:

Re: Need Christmas Credit Card

jamie123 — Sun, 16 Sep 2012 21:48:46 GMT

You need to save money for Christmas, not get more credit for Christmas.

What are the balances and credit limits on your cards?

Re: Need Christmas Credit Card

ChesterPDexter — Sun, 16 Sep 2012 21:59:14 GMT

I wouldn't give advice on how to handle finances when we don't know anything about the OP other than a credit score and a list of cards. We have no idea what happened to put the poster into that situation, so let's refrain from judgment and answer the question that was asked.

I'm thinking the natural first choice would be Walmart. Also, Kohl's is said to be easy to get. Maybe Old Navy (but that's GE, as so is Walmart.) Hmm... J.C.Penney? Jewelry store cards... some of the other department stores like maybe Bloomingdales. I'm not sure if Target is easy to get or not. That's all I can think of!

Re: Need Christmas Credit Card

jsucool76 — Sun, 16 Sep 2012 22:03:10 GMT

ChesterPDexter wrote:
I wouldn't give advice on how to handle finances when we don't know anything about the OP other than a credit score and a list of cards. We have no idea what happened to put the poster into that situation, so let's refrain from judgment and answer the question that was asked.

I'm thinking the natural first choice would be Walmart. Also, Kohl's is said to be easy to get. Maybe Old Navy (but that's GE, as so is Walmart.) Hmm... J.C.Penney? Jewelry store cards... some of the other department stores like maybe Bloomingdales. I'm not sure if Target is easy to get or not. That's all I can think of!

JCP is also GECRB.

Target AFAIK is easy to get but does not grow at all, and Kohl's I believe is a cap1 card so it too will probably not grow.

Re: Need Christmas Credit Card

XxRaVeNxX — Sun, 16 Sep 2012 22:23:11 GMT

I'd go with Amazon...6 months free financing...by the second statement, tax refunds should have been depositied, and you can pay it off...interest free, and they seem pretty liberal with their starting limits...

Re: Need Christmas Credit Card

jsucool76 — Sun, 16 Sep 2012 22:26:31 GMT

Amazon is also a GE card, unless you were talking about Chase amazon visa, which I'm not so sure about with that score.

Re: Need Christmas Credit Card

XxRaVeNxX — Sun, 16 Sep 2012 22:31:09 GMT

I didn't see where he said GE cards...weren't an option. Why aren't they an option again?

Re: Need Christmas Credit Card

jsucool76 — Sun, 16 Sep 2012 22:34:08 GMT

XxRaVeNxX wrote:
I didn't see where he said GE cards...weren't an option. Why aren't they an option again?

OP probably burned them in the past.

Re: Need Christmas Credit Card

LS2982 — Sun, 16 Sep 2012 22:37:58 GMT

jsucool76 wrote:
XxRaVeNxX wrote:
I didn't see where he said GE cards...weren't an option. Why aren't they an option again?
OP probably burned them in the past.

OP did burn 2 GE cards.

Re: Need Christmas Credit Card

XxRaVeNxX — Sun, 16 Sep 2012 22:43:18 GMT

Well, I think you may fall in your old habits.....what's wrong with your capital one cards?

Also, you do know shopping at Fingerfut is like shopping at Aaron's or Rent A Center...everything is overpriced...

Re: Need Christmas Credit Card

LS2982 — Sun, 16 Sep 2012 22:51:36 GMT

XxRaVeNxX wrote:
Well, I think you may fall in your old habits.....what's wrong with your capital one cards?

Also, you do know shopping at Fingerfut is like shopping at Aaron's or Rent A Center...everything is overpriced...

I'm sure he knows that, sometimes you have to take what your credit profile allows you to get.

Re: Need Christmas Credit Card

webhopper — Sun, 16 Sep 2012 22:55:52 GMT

This OP declared BK not too long ago based on his other posts in the BK forum.

OP; I advise you to pay cash for Christmas and continue to garden!

Re: Need Christmas Credit Card

llecs — Sun, 16 Sep 2012 23:05:58 GMT

webhopper wrote:
This OP declared BK not too long ago based on his other posts in the BK forum.

OP; I advise you to pay cash for Christmas and continue to garden!

+1. OP's BK was discharged last month. I'd focus on gardening and in a couple of years with some distance on that BK, I have no doubt OP can get high limits with BK-friendly CCs.

Re: Need Christmas Credit Card

LS2982 — Sun, 16 Sep 2012 23:14:05 GMT

After reading the auto loan thread from OP if everything he listed in that thread was IIB your better off leaving credit alone, sorry to say. That is a crazy amount of debt!

Re: Need Christmas Credit Card

jsucool76 — Sun, 16 Sep 2012 23:15:30 GMT

Yeah after reading some of your other posts I'm going to say don't app for cards just for christmas shopping. Try layaway at a store or something, it's a much better option than putting it on CCs.

Re: Need Christmas Credit Card

gettnthere — Sun, 16 Sep 2012 23:19:34 GMT

LS2982 wrote:
After reading the auto loan thread from OP if everything he listed in that thread was IIB your better off leaving credit alone, sorry to say. That is a crazy amount of debt!

+100000, thats the best advice honestly. you've burnt every major lender out there for crazy amounts of money so they are not going to forget anytime soon. i would def follow a cash only lifestyle for a WHILE.

Re: Need Christmas Credit Card

nicholasc77 — Mon, 17 Sep 2012 00:56:10 GMT

gettnthere wrote:
LS2982 wrote:
After reading the auto loan thread from OP if everything he listed in that thread was IIB your better off leaving credit alone, sorry to say. That is a crazy amount of debt!
+100000, thats the best advice honestly. you've burnt every major lender out there for crazy amounts of money so they are not going to forget anytime soon. i would def follow a cash only lifestyle for a WHILE.

Thank you for all your posts i am trying to build my credit and have been leting them and i made a mistake with the date it was 8/2012 BK discharged with about 4 million debt i also had lord and taylor

Re: Need Christmas Credit Card

dobirdsmommy — Mon, 17 Sep 2012 01:04:55 GMT

I thought I saw your income was over 400k on a previous post.. How many people are you buying Christmas gifts for that you need more credit after BK last month?

Re: Need Christmas Credit Card

nicholasc77 — Mon, 17 Sep 2012 01:07:47 GMT

im just trying to rebuild credit for around the holidays and roughly me and my wife last year spent about 50K all gifts for family friends, my children, and employees

dobirdsmommy wrote:
I thought I saw your income was over 400k on a previous post.. How many people are you buying Christmas gifts for that you need more credit after BK last month?