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Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012

Re: Need Christmas Credit Card

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‎09-16-2012 03:43 PM

Well, I think you may fall in your old habits.....what's wrong with your capital one cards?

 

 

Also, you do know shopping at Fingerfut is like shopping at Aaron's or Rent A Center...everything is overpriced...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Message 11 of 80 (640 Views)
 
Mega Contributor
LS2982
Posts: 14,488
Registered: ‎04-09-2011

Re: Need Christmas Credit Card

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‎09-16-2012 03:51 PM

XxRaVeNxX wrote:

Well, I think you may fall in your old habits.....what's wrong with your capital one cards?

 

 

Also, you do know shopping at Fingerfut is like shopping at Aaron's or Rent A Center...everything is overpriced...

 

I'm sure he knows that, sometimes you have to take what your credit profile allows you to get.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 12 of 80 (632 Views)
 
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webhopper
Posts: 6,776
Registered: ‎09-16-2011

Re: Need Christmas Credit Card

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‎09-16-2012 03:55 PM

This OP declared BK not too long ago based on his other posts in the BK forum.

OP; I advise you to pay cash for Christmas and continue to garden!
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Message 13 of 80 (622 Views)
 
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llecs
Posts: 31,506
Registered: ‎08-04-2007

Re: Need Christmas Credit Card

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‎09-16-2012 04:05 PM

webhopper wrote:
This OP declared BK not too long ago based on his other posts in the BK forum.

OP; I advise you to pay cash for Christmas and continue to garden!

+1. OP's BK was discharged last month. I'd focus on gardening and in a couple of years with some distance on that BK, I have no doubt OP can get high limits with BK-friendly CCs.

Message 14 of 80 (607 Views)
 
Mega Contributor
LS2982
Posts: 14,488
Registered: ‎04-09-2011

Re: Need Christmas Credit Card

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‎09-16-2012 04:14 PM

After reading the auto loan thread from OP if everything he listed in that thread was IIB your better off leaving credit alone, sorry to say. That is a crazy amount of debt!



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 15 of 80 (594 Views)
 
Valued Contributor
jsucool76
Posts: 2,652
Registered: ‎12-11-2011

Re: Need Christmas Credit Card

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‎09-16-2012 04:15 PM

Yeah after reading some of your other posts I'm going to say don't app for cards just for christmas shopping. Try layaway at a store or something, it's a much better option than putting it on CCs. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Message 16 of 80 (590 Views)
 
Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012

Re: Need Christmas Credit Card

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‎09-16-2012 04:19 PM

LS2982 wrote:

After reading the auto loan thread from OP if everything he listed in that thread was IIB your better off leaving credit alone, sorry to say. That is a crazy amount of debt!

+100000, thats the best advice honestly. you've burnt every major lender out there for crazy amounts of money so they are not going to forget anytime soon. i would def follow a cash only lifestyle for a WHILE.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Message 17 of 80 (582 Views)
 
Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012

Re: Need Christmas Credit Card

[ Edited ]
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‎09-16-2012 05:55 PM - edited ‎09-16-2012 05:56 PM

gettnthere wrote:
LS2982 wrote:

After reading the auto loan thread from OP if everything he listed in that thread was IIB your better off leaving credit alone, sorry to say. That is a crazy amount of debt!

+100000, thats the best advice honestly. you've burnt every major lender out there for crazy amounts of money so they are not going to forget anytime soon. i would def follow a cash only lifestyle for a WHILE.


Thank you for all your posts i am trying to build my credit and have been leting them and i made a mistake with the date it was 8/2012 BK discharged with about 4 million debt i also had lord and taylor 

Message 18 of 80 (530 Views)
 
Regular Contributor
dobirdsmommy
Posts: 174
Registered: ‎02-29-2012

Re: Need Christmas Credit Card

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‎09-16-2012 06:04 PM

I thought I saw your income was over 400k on a previous post.. How many people are you buying Christmas gifts for that you need more credit after BK last month?

Wallet:ME: 400 Cap One, 300 Cap One, 300 Orchard, 900 FH, Santander Car 12k/15k, Chase Auto Loan 15/16k, VS 350, BH 300, Express 500, Avenue 250, JCrew 300, HSN 500
DH: 300 Cap One 400 Cap One 300 Orchard 600 FH. AU - VS, BH
Message 19 of 80 (515 Views)
 
Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012

Re: Need Christmas Credit Card

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‎09-16-2012 06:07 PM

im just trying to rebuild credit for around the holidays and roughly me and my wife last year spent about 50K all gifts for family friends, my children, and employees 

dobirdsmommy wrote:

I thought I saw your income was over 400k on a previous post.. How many people are you buying Christmas gifts for that you need more credit after BK last month?

 

Message 20 of 80 (511 Views)
 

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