Credit Cards

[Misshopeful72]

And do you have the best phone number to call?

[Creditaddict]

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Misshopeful72 wrote:

And do you have the best phone number to call?

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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!

[Misshopeful72]

Equifax score mid 500s with a bankruptcy discharged in december

[Creditaddict]

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Misshopeful72 wrote:
Equifax score mid 500s with a bankruptcy discharged in december

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Low scores but that usually fits this terrible credit card.

Do you have any other current credit accounts open?

[Misshopeful72]

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

[Creditaddict]

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Misshopeful72 wrote:
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

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9 cards in 4 months of BK... can you post card and limit and balance?

[Misshopeful72]

Von mar 0/200
Firestone 0/900
Nfcu secured 700/1000
Csefcu visa 0/500
Usaa secured Amex 0/400
Orchard 0/300
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

[Creditaddict]

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Misshopeful72 wrote:
Von mar 0/200
Firestone 0/900
Nfcu secured 700/1000
Csefcu visa 0/500
Usaa secured Amex 0/400
Orchard 0/300
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

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WOOOO.

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.

[Misshopeful72]

I applied for target and they declined me for too many inquiries and they told me to wait 30 days and reapply. My tu score from them said 652 but myfico says 550

[Creditaddict]

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!