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Established Contributor
Posts: 930
Registered: ‎06-12-2012
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Re: Good deal or bad deal...

[ Edited ]

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.

JP Morgan Select $10k | Citi TY Premier $15k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Valued Contributor
Posts: 2,690
Registered: ‎09-26-2011
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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

 

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Regular Contributor
Posts: 190
Registered: ‎08-12-2012
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Re: Good deal or bad deal...

I cancel it she tryed talking me out of it but wasnt hearing it :manlol:,, 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"
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Goal Score: 740
Garden till 10/14"
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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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.

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Established Contributor
Posts: 930
Registered: ‎06-12-2012
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Re: Good deal or bad deal...

^This.

JP Morgan Select $10k | Citi TY Premier $15k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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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
Valued Contributor
Posts: 2,153
Registered: ‎09-16-2011
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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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Regular Contributor
Posts: 190
Registered: ‎08-12-2012
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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"
Regular Contributor
Posts: 190
Registered: ‎08-12-2012
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Re: Good deal or bad deal...

yes me to lol

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"
Regular Contributor
Posts: 190
Registered: ‎08-12-2012
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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"
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