No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So, I applied for the Household Bank secured card. They cashed the check for $250.00 on 10/13/09 to fund the deposit account and they have not pulled my EQ or EX credit reports yet. Not sure if they just pulled TU.
Does it normally take them this long after they cash the check to open the security deposit account before they pull the CR?
My next question is this...if I included a neiman marcus cc and orchard bank cc in a ch 7 bk that was discharged in May, do you think they will deny me for the Household Bank secured card? My thought is that since I am starting over, and its a secured card, maybe, just maybe they will approve it.
What do you think?
Here is a little about my currect CR situation
EQ is 568
TU not sure
EX 530
have two First Premier cc's never late, oldest is 6 months
Thanks!
The check being cashed indicates they're probably setting up the account for you.
A secured card is your only option at this point and since this is your money, I would say you have a good chance of approval. If not, they're other banks you can turn to for a secured card.
Should you get an approval, be sure to make those payments in full and never, ever be late.
Good luck.
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500