No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:Just wanted to add that if you haven't already, you may want to try calling them and asking them to reconsider. It couldn't hurt to try.
+1
I'll try. Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too) So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew. Haven't missed a payment in over 3 years. Has been a long road, trust me.
Sorry to hear that; though, I believe the Plan B is high interest and lower CL, if I recall correctly.
Maybe HSBC is cleaning house before they transfer accts to Cap One.
@Ortz33__ wrote:I'll try. Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too) So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew. Haven't missed a payment in over 3 years. Has been a long road, trust me.
Definitely explain this when you call them. You have new accounts because you closed older accounts that did not have good terms. Hopefully someone will understand this.
@Ortz33__ wrote:I'll try. Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too) So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew. Haven't missed a payment in over 3 years. Has been a long road, trust me.
We totally can relate! Rebuilding credit is a lot of hard work and a long road. I hope it works out and you get them to reopen your account! Please keep us posted!
Should I even go there with paying them over 140 dollars in 2 years just to have a credit card with Orchard?
@Ortz33__ wrote:Should I even go there with paying them over 140 dollars in 2 years just to have a credit card with Orchard?
I wouldn't say it like that. Just say that you closed some of your cards to open ones that offerred more favorable terms for you, or better rewards, or both.