hi tiger, i have 2 first premiers also. the 1st w/the whopping 250 cl wasn't doing much, so they generously offered a 2nd w/a whopping 350 cl lol. NO CLIs since then (unless of course i want to cough up $25 for what's likely a $100 CLI lol no thank you first premier and all your freaking fees!) and i've had them for 1.5 yrs. they (and 2 unsecured orchards) since early 2007 have boosted my ficos. i'm now up to the mid 600s and looking to 'move on up'. recently got a BA 99/500...partially secured, BUT it is w/a PRIME BANK and BA will give me a nice CLI once the cc graduates (6-12 months- just in time to dump first premiers!). who knows, maybe i'll see a 4 digit credit line sometime in my lifetime again haha
1 thing i'd recommend is paying your first premiers (and any other subprime ccs you have) IN FULL every month. just this past month alone i was able to see a fico jump of 70+ points just from paying off my 4 subprime ccs in full.
once you stumble credit wise, it is a LONG haul back up, but others have made it and so can you. patience is your friend.
Message Edited by creditreformer on
05-17-2008 07:59 PM