The new one is called Continential Finance Gold Mastercard. The pre-approved form came in the mail and I just went online. Can you suggest any cards that will accept 692 score, hopefully without an enormous monthly fee, $10.00 adds up! I don't know how to search for cards and the FICO site didn't give alot of suggestions. I really would like Citibank but I dont want to apply and not get approved and that effect my credit too
Cant see why citibank would not approve you, assuming there arent any negs on your report. They may start you with a low CL, but they usually give a nice auto CLI at 4months. Also a CU card would be great. You would then have a year for the new account(s) to age before applying for your mortgage.
Hi, I was reading some of your old posts and comments and responses. You say 'they' increased your monthly fee...You mean the CC company increased your interest rate?? What did you end up doing? citi wants to increase my rate from 11.2 to 30% for no reason. Never been late. Thanks.
No, the OP was referring to his card having a monthly maintenance fee, not the interest rate. As far as your post goes, first I would search on here for a backdoor number to Citi to see if you can't get that rate jack reversed or at least reduced. Secondly, do you PIF every month or carry a balance? If you PIF every month, the interest rate is inconsequential. If you carry a balance, you may want to look at getting another CC with a low or 0% interest rate on balance transfers.