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Until you get your finances together, you might want to stay away from high interest rate credit cards.
Scamp wrote:Thanks, Hauling.Any suggestions for which CC to apply for, if any right now, with my scores so low and having had my bank turn me down for a CLI with their card?I keep reading about the Delta, Starwood and HH cards, and those do turn up under their 'special offers for cardmembers' page for me on AmEx's site....
concorduser wrote:Until you get your finances together, you might want to stay away from high interest rate credit cards.
Scamp wrote:Thanks, Hauling.Any suggestions for which CC to apply for, if any right now, with my scores so low and having had my bank turn me down for a CLI with their card?I keep reading about the Delta, Starwood and HH cards, and those do turn up under their 'special offers for cardmembers' page for me on AmEx's site....You might want to approach on of your local credit unions, who probably can help you much more in consolidating your credit cards into a low cost loan and get you started on the right track. Couple of my CU's came through for me and helped me a lot.
@Scamp wrote:Thanks, Hauling.Any suggestions for which CC to apply for, if any right now, with my scores so low and having had my bank turn me down for a CLI with their card?I keep reading about the Delta, Starwood and HH cards, and those do turn up under their 'special offers for cardmembers' page for me on AmEx's site....
haulingthescoreup wrote:I had forgotten about not being able to simply switch from AmEx charge to AmEx credit, and vice versa.
I think that concorduser has a better idea. Check out your local credit unions, most of whom now have a category for nearly everyone to join. They're much less high-maintenance and dramatic than American Express, and you can also get car loans, HELOCs and personal loans as well from many of them. Generally speaking, their customer service is great, and their APR's are very fair.
Do be sure, though, to pay your AmEx card down to $0, so that when you do want to get back in with them, you shouldn't have a problem. The tough thing about the credit cards that are easier to get (Delta, Starwood, HH) is that AmEx doesn't quite know what to do with them, since they represent a broadening of their market, and they're much quicker to whump those card holders. I don't know that you'd want to go through that twice.
edit: Well, we're hopelessly entangled now, aren't we? If you're going to go ahead and clean up your util etc in the next several months, you might want to just do what I did: keep reading posts on how people feel about various cards, their odd little quirks (the cards' quirks, that is), what kind of history you need, and so forth. You know better what your overall credit picture looks like, and what exactly you want from a CC.
BTW, hope your kitty pulled through OK.
Message Edited by haulingthescoreup on 02-28-2008 04:11 PM
@Scamp wrote:
And yes, my cat pulled through - thanks for the kind wishes. He's now my 'Thousand-Dollar Cat' and has been informed that he is required to live AT LEAST another ten years!
Timothy wrote:I guess the bottom line is the Extended Pay privilege was designed for other uses that what you have used it for-Vacations and major purchases-You are not putting enough though the card to justify the AF for gold- My little Green is back up to $3k again- Good thing this is a short month-I currently have no reason or desire to revolve on my Green card-Glad to hear you and your cat has recovered.
Chase has announced that as of March 2008 they will no longer practice UD. They announced this a few months ago, to some fanfare, but of course the discussion at that time was about why they wouldn't just cease the practice immediately since they apparently concede they should stop.
PenguinGeek wrote:
Glad to hear your cat is doing better. I think maybe timing may be a factor as well, it is possible that creditors in general are a little jittery these days. I can't remember who participates in universal default or not, but isn't there something that's supposed to be happening in March? Are creditors doing some additional reviews for scrutiny?
Basically, I'm wondering if your situation happened a year ago, would Amex have pulled the pay later option? (I'd be wondering this question if it were any other creditor as well.)