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Good deal or bad deal...

Established Contributor

Re: Good deal or bad deal...

I'm sure there are some deals to be had on unique merchandise on Fingerhut but when you compare something like a home entertainment system you will be paying anywhere from 20-30% more than if you went to Amazon.

 

And this Horizon crap is worse than FH. OP is looking at paying over $375 in fees alone for the first year and that's if you don't buy any of the crap they sell. You don't need credit this bad. You can open two First Premier CC's for the price of this junk.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 11 of 20
Senior Contributor

Re: Good deal or bad deal...


Jlu wrote:

And this Horizon crap is worse than FH. OP is looking at paying over $375 in fees alone for the first year and that's if you don't buy any of the crap they sell. You don't need credit this bad. You can open two First Premier CC's for the price of this junk.


+1

 



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 12 of 20
Regular Contributor

Re: Good deal or bad deal...

I cancel it she tryed talking me out of it but wasnt hearing it Man LOL,, I was looking at First Premier & Capital One Cash Back  & BOA CC, but not sure what one im getting all i do kn is if im going to apply i have to be approve other wise im wasting my time

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"
Message 13 of 20
Valued Contributor

Re: Good deal or bad deal...

JBEACH, make a new thread asking for recommendations.  You need to give us your FICO score (buy the equifax one from here) and what your credit profile looks like (aaoa, what current lines and what they look like, any negatives, income, etc.).  You will get lots of advice on where to go.

               LIMITS IN CARD DESCRIPTIONS
Message 14 of 20
Established Contributor

Re: Good deal or bad deal...

^This.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 15 of 20
Senior Contributor

Re: Good deal or bad deal...

Sometimes I wish there was a 'like' button on here like FB haha!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 16 of 20
Valued Contributor

Re: Good deal or bad deal...

CLOSE IT DOWN, Close it, you don't need those type of fees..  fee for having account, a fee for not using account and we can only guess what The APR is on it, I would guess 29% plus seem to be real bottom feeders.

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 17 of 20
Regular Contributor

Re: Good deal or bad deal...

I dont kn how to do it i am still new to this im trying to learn lots of things at once but its seems to not work,, answer to your questions FICO

TU 741, EQ 692, I have 1 Credit card for 6 months no late payments pay in full File is THIN

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"
Message 18 of 20
Regular Contributor

Re: Good deal or bad deal...

yes me to lol

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"
Message 19 of 20
Regular Contributor

Re: Good deal or bad deal...

i did close it...thx tho

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"
Message 20 of 20