Reply
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Any ideas for a third CC?

[ Edited ]

Okay.  DH is well on his way.  I'm a bit more trouble, though (as we all know)!

 

I have two cards and would like a third.

Currently have:

Orchard Platinum $700 CL (Opened 12/08)

Macy's Store Card $1000 CL (Opened 7/09)

 

Ch13BK filed 05 discharged 2/09.

 

I am scratching my head.  Any ideas on where I could apply for my third card?

 

--Our CU is asking us to wait.  We'll add them in awhile.

--Alliant does not count household income.  I have a savings account with them - no Visa.

--HSBC wants me to wait 18 months since I opened my Orchard card.

--Cap One turned me down 3/09 due to BK - maybe they'll like me later.

 

Message Edited by utah2009 on 07-21-2009 12:10 AM
Just puttin' syrup on something, don't make it pancakes.
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Any ideas for a third CC?

Wait.
Moderator Emeritus
MarineVietVet
Posts: 14,163
Registered: ‎07-14-2009
0

Re: Any ideas for a third CC?


smallfry wrote:
Wait.

 

I agree. You just need to be patient. Patience is definitely a virtue when it comes to credit. I speak from personal experience. Let those 2 cards age for awhile.
Frequent Contributor
DickC
Posts: 260
Registered: ‎05-21-2009
0

Re: Any ideas for a third CC?

Have you ever considered a good Secured card?

Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Any ideas for a third CC?

I would go with a secured card at a good CU.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
Smrtshppr43
Posts: 68
Registered: ‎09-19-2008
0

Re: Any ideas for a third CC?

Since you already have your foot in the door at Alliant, why not ask for a secured card? Surely it can grow into an unsecured.
Established Contributor
Susyquk
Posts: 504
Registered: ‎03-27-2009
0

Re: Any ideas for a third CC?


Smrtshppr43 wrote:
Since you already have your foot in the door at Alliant, why not ask for a secured card? Surely it can grow into an unsecured.

Alliant do not offer a secured card - I checked :smileysad: (tho I don't need it so much now, I did at the time I checked)

Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Any ideas for a third CC?

1. Affinity FCU Classic Card (builders/rebuilders)

 

http://www.affinityfcu.org/site/personal_creditcards.html

 

2. Addison Avenue FCU Secured/Classic Visa

 

https://addisonavenue.com/visa/

 

3. Agriculture FCU Classic/Secure card

 

http://www.agriculturefcu.org/products/loans/creditcards.html

 

This list is endless.

 

IN VINO VERITAS.
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: Any ideas for a third CC?

Let me clarify.

 

We already have a (two) CU's we're very happy with.

 

I have two unsecured cards.  I'm looking for a third unsecured card that is BK friendly.

 

Thanks y'all.

Just puttin' syrup on something, don't make it pancakes.
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Any ideas for a third CC?


utah2009 wrote:

Let me clarify.

 

We already have a (two) CU's we're very happy with.

 

I have two unsecured cards.  I'm looking for a third unsecured card that is BK friendly.

 

Thanks y'all.


You have Orchard and Cap One turned you down. Those 2 issuers are the top of the rebuilder group. You already have a Macy's card so there is no need to pursue another store card. I would avoid applying for junk tradelines just for the sake of low level lines. Best thing you can do now is wait until you can get a card from someone like Chase Citi or BofA. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}