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@jevoyager wrote:Well I'm guessing the Walmart card is a no go, got the "We'll let you know in 7-10 days" notice which I'm guessing isn't a good sign. I saw in other forum posts to call and see if its just an issue of information that needs verification, so I'll do that tomorrow.
Pretty sure you can do it now look under the sticky note at the top of page under backdoor numbers GE CREDIT SOLUTIONS
Good luck and be polite and charming
GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions)
Call
@09Lexie wrote:
Good luck with Walmart. SDFCU will not be a Hp which is really nice.
Hoping OP made the call
So I called this morning (cause it was after 1am last night for me, maybe 2, I forget, lol) and it was declined. Said it couldn't be reviewed because it was a 'hard decline'. *sigh* Oh well, worth a shot. I guess if they wouldn't approve me then my chances for an unsecured card are pretty much nil.
Gonna go to that local CU this morning to see about their secured card and the requirments for it, and see how it compares to the SDFCU one.
Total rewards visa (great casino rewards)
cap one quicksilver(1.5 unlimited cash back)
credit one platinum(unsecured, but has high fees)
amazon.com visa(good amazon rewards+$50 amazon.com gift card)
Ok so went to two local CU's, one of which has my new car loan. TVA CU secured card is based on how much you put in your savings account you open, min 5$. No annual fees or anything like that. Now while I was there they told me they based the APR on your credit score which they will pull (Experian) ranging from 7.99-18%, with my 636 she said it would be 12.99%. However on their app, it states that is for their Visa Platinum, and the Secured card is 3.99%. So I guess I'll have to call Monday and clarify that. But sound like a pretty good one to start with, I can start with a lower amount to begin with, say $100, and increase it later, since I want to keep as much as I can in my regular savings acct. for emergencies.
The other one is Y12 FCU, again no fees, fixed apr of 10.25% if I recall. No pull to credit if you want less that $1000. However they require $500 in the savings account, and was told they then open you a line of credit based on that. When I tried to clarify if its equal to the amount of what's in the savings acct she acted a little dodgy and didn't really explain (admittedly there was like 10 mins til the close, but still). Regardless I won't be applying for it as I don't want to put that much down, and didn't like the lack of info.
Once I know for sure what the deal is on the TVA card, I'll try to decide what to do, but I'm leaning toward that to start with at least. Would getting a second one help with reestablishing my credit? Or should I get the one, then wait a couple months/next year and see if I've improved enough to get an unsecured?
@trying_to_B_good wrote:Total rewards visa (great casino rewards)
cap one quicksilver(1.5 unlimited cash back)
credit one platinum(unsecured, but has high fees)
amazon.com visa(good amazon rewards+$50 amazon.com gift card)
Total rewards visa - casino rewards are of no interest to me, don't gamble. From looking at several comments about it I don't think I'd qualify (I'm seeing ppl with much higher scores being denied).
cap one quicksilver - doubt C1 would give me a card since I defaulted on a CC several years ago and that's one of my judgements I'm paying on
credit one platinum - I don't know, I've seen several people saying not to get one through them or FP? I'll at least take a look at it and read up on it.
amazon.com visa - also suspect I wouldn't be approved after reading other comments due to low scores and esp with the # of inquiries due to the car loan
So looks like the only possibilities would be credit one, which like I said I'll check into. Thanks for your suggestions
@jevoyager wrote:Ok so went to two local CU's, one of which has my new car loan. TVA CU secured card is based on how much you put in your savings account you open, min 5$. No annual fees or anything like that. Now while I was there they told me they based the APR on your credit score which they will pull (Experian) ranging from 7.99-18%, with my 636 she said it would be 12.99%. However on their app, it states that is for their Visa Platinum, and the Secured card is 3.99%. So I guess I'll have to call Monday and clarify that. But sound like a pretty good one to start with, I can start with a lower amount to begin with, say $100, and increase it later, since I want to keep as much as I can in my regular savings acct. for emergencies.
The other one is Y12 FCU, again no fees, fixed apr of 10.25% if I recall. No pull to credit if you want less that $1000. However they require $500 in the savings account, and was told they then open you a line of credit based on that. When I tried to clarify if its equal to the amount of what's in the savings acct she acted a little dodgy and didn't really explain (admittedly there was like 10 mins til the close, but still). Regardless I won't be applying for it as I don't want to put that much down, and didn't like the lack of info.
Once I know for sure what the deal is on the TVA card, I'll try to decide what to do, but I'm leaning toward that to start with at least. Would getting a second one help with reestablishing my credit? Or should I get the one, then wait a couple months/next year and see if I've improved enough to get an unsecured?
Sorry about Walmart but the CU sounds like a good deal to me since you already have a relationship with them. 2 accounts will do nicely to start and after 6 months of payment history see were your scores are and go from there.
Ok, thanks for your help