@Abester000 wrote:
My scores right now are....
Transunion : 686 Equifax : 667 Experian : 675
I had a Macy's Visa, Amex Blue, Citi Bank Platinum Select....
All of those were canceled due to after paying them off in fulll..... they sent me cancellation notices stating that they were canceled due to serious delinquincy but its all over 4 yrs old...
Citi Bank Platinum Select i opted out for due to rate jack from 6.7 to 29.9
Oh u said... call them after 1 yr to see if they can waive off the 59 dollars? i spoke to the lady, and she told me that they charge me the 59 dollar fee when i get my card..... not after 1 yr.
Message Edited by Abester000 on 10-06-2009 08:44 AM
So all of your prime cards are cancelled? I wouldn't have applied for the subprime card at all. I would have waited until the lates fall all, and applied for prime cards in about two years. Although the scores you listed are not FICO scores, they're not that bad. You should give yourself two years before applying for new credit, and leave the subprime cards alone all together.
I do understand you will be charged an AF when you receive, and perhaps activate the card. I was referring to calling before the next time you are hit with an AF to get it waived.
Do you have any types of installment loans reporting? Installment loans will improve your scores too. You need a mixture of credit to maximize your FICO scores.
