04-09-2012 10:10 AM
And do you have the best phone number to call?
Any recent score info or whats bad on report etc.
and HSBC you have about a 1-2% chance... Pretty sure that HSBC reps have no power over the fabulous HSBC computer system!
04-09-2012 10:45 AM
04-09-2012 10:48 AM
Equifax score mid 500s with a bankruptcy discharged in december
Low scores but that usually fits this terrible credit card.
Do you have any other current credit accounts open?
04-09-2012 10:57 AM
04-09-2012 10:59 AM
I have 9 other credit cards with limits as low as 200 and as high as 1000. But I had my bankruptcy discharged in 2011. These cards were all opened within the last 4 months
9 cards in 4 months of BK... can you post card and limit and balance?
04-09-2012 11:07 AM
04-09-2012 11:12 AM
Von mar 0/200
Nfcu secured 700/1000
Csefcu visa 0/500
Usaa secured Amex 0/400
First premier 160/300
Armed forces bank secured 50/200
Applied bank secured 400/500
Applied bank card 2 secured 100/200
Fifth third bank secured 0/500
I would pay the terrible cards off and close and those accounts would be:
First Premier, Orchard, and both Applied!!
Von Maur is great (reports like charge so should not effect util)
and you have some great CU and Prime banks for Secured Cards that can upgrade after a year or so to unsecured... congrats on those... but you need to pay/close/STOP APPLYING for the next year.... see where you end up with these secured cards and let all the INQ Age off.
04-09-2012 11:15 AM
04-09-2012 11:19 AM
I am the worst about gardening but once you have good cards you just HAVE to wait a bit to get them reporting and aging and stuff... other thing that just gets my blood boiling is being declined for INQ and the bank telling you to wait 30 days and apply again!!!! If I had to many INQ this month how would applying in 30 days with 1 more inq added to the list from you get me approved!! I get sometimes someone might loose some INQ but when they tell you to wait 30 days it usually is not because they see 10 are going to drop off next month!
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