That's great although I don't know what a GTX680 is... lol Billmelater is a waste of time because they don't report to the bureaus. They are managed by WFNBB I think (someone correct me if I'm wrong) Honestly id rather see you with an amex green card than billmelater. At least amex will grow with you and be useful later. Amex is not inquiry sensitive so if you want to apply for another card; consider amex green or gold. Don't apply for a revolver as you wont be approved. Apply for a charge card.
@Anonymous wrote:
Is Billmelater a waste of time btw? Who is that through? Anything significant I should know about them? I got the GTX680 (woot) and I got the financing for s&g and immediately made a payment on it for the full amount charged.
––Kit
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Bill me later is a paypal/ebay finance program. It is a hard pull to get, but then it does not report to your credit report. It is not great, I would not recommend it.
Step #1: Don't apply for any more credit that you don't need.
Step #2: Continue to pay all of your payments in a timely manner. =)
@SportBike4Life wrote:Step #1: Don't apply for any more credit that you don't need.
Step #2: Continue to pay all of your payments in a timely manner. =)
Wash.... Rinse... and Repeat!!!!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
FWIW, the OP really isn't in a bad situation. Sure some tradelines which are suboptimal for various reasons but if that were the biggest mistake any of us had made in our credit lives, we'd have a lot more gold-platedness on these forums.
That said I think there's merit to both Web and Jamie's posts; but to clarify FICO itself doesn't care whether that use is $5 or $5000 that month. It does matter for underwriting sometimes, and in certain cases for cards or flexible spending accounts which don't report a limit; but those aren't even on the table in this case.
Anyway for future purposes, Kit if you can handle the discipline of having to pay a charge card off every month, I second Web's suggestion of just going and getting a Green now; it's not a bad everyday card compared to the rest of your lineup, and Amex is a good company to have a relationship with anyway. There's a niche benefit called 'backdating' (search the forum) which would behoove you to apply before the end of the year.
Failing that Jamie's plan of waiting six months, figuring out your expense pattern, and then going and finding a rewards revolver that works for you is good too; however, these two options aren't mutually exclusive.
For myself in your situation, I would do Web's idea as step 1 and Jamie's idea as step 2.
That said I think there's merit to both Web and Jamie's posts; but to clarify FICO itself doesn't care whether that use is $5 or $5000 that month. It does matter for underwriting sometimes, and in certain cases for cards or flexible spending accounts which don't report a limit; but those aren't even on the table in this case.
Anyway for future purposes, Kit if you can handle the discipline of having to pay a charge card off every month, I second Web's suggestion of just going and getting a Green now; it's not a bad everyday card compared to the rest of your lineup, and Amex is a good company to have a relationship with anyway. There's a niche benefit called 'backdating' (search the forum) which would behoove you to apply before the end of the year.
Failing that Jamie's plan of waiting six months, figuring out your expense pattern, and then going and finding a rewards revolver that works for you is good too; however, these two options aren't mutually exclusive.
For myself in your situation, I would do Web's idea as step 1 and Jamie's idea as step 2.
@Anonymous wrote:
I tried to apply for the Wal-Mart Credit Card (not the discover card) and I received this message:
"We are unable to process your application at this time and ask that you try again later. We apologize for the inconvenience."
Thoughts?
--Kit
Computers may be down. You'll want to apply in the store if possible. I still think you need a green card by amex if you can get it. That will do wonders for teaching you to manage spending as well as build a relationship with a lender that consistently offers superb customer service.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Amex is your grandaddys card. When grandaddy paid with his green card; you knew he had his stuff together.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!