@Bluerain wrote:So even with a secured card they will go through my financials from one end to the other even tho my bank account has over 11g's in it ?
Uh huh. They do the same stuff no matter what. They have a check list. Bank statements, Tax returns, Asset and debts. But hey, having 12k extra after downpayment. It don't hurt at all.
@Bluerain wrote:cashnocredit
So when I apply for a secured card I give them my bank account info and they check? I hope they are able to check
credit unions. Shouldn't I be able to do an electronic wire transfer ?
Another thing..I'm just as lazy with my taxes..I was 3 years behind last year and sat myself down to do them
and was able to do the 2 oldest online but for some reason last years wasn't able to go thru. I called the IRS several times
and said there isn't a problem and that it should go thru.
Long story short it never went thru so I'm behind last years ..LOL..I tried and got 2 out 3 done and gave up after all the crazy stressfull nonsense going back and
forth with the IRS for last years
So...If the credit card companies don't see last years Tax Filing will they think I'm not working ?
No. It's when you get a mortgage they look at that stuff and they do not look at secured cards as negatives at all when you app for a mortgage.