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Need Christmas Credit Card

Regular Contributor

Re: Need Christmas Credit Card

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
Mega Contributor

Re: Need Christmas Credit Card


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.




EQ FICO 548 3/3/16
Message 12 of 80
Moderator Emeritus

Re: Need Christmas Credit Card

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: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 13 of 80
Moderator Emeritus

Re: Need Christmas Credit Card


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
Mega Contributor

Re: Need Christmas Credit Card

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!




EQ FICO 548 3/3/16
Message 15 of 80
Super Contributor

Re: Need Christmas Credit Card

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. 

Message 16 of 80
Established Contributor

Re: Need Christmas Credit Card


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 Smiley Wink
Message 17 of 80
Valued Member

Re: Need Christmas Credit Card


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
Highlighted
Established Contributor

Re: Need Christmas Credit Card

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?

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 19 of 80
Valued Member

Re: Need Christmas Credit Card

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