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

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

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
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Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

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.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
jsucool76
Posts: 2,768
Registered: ‎12-11-2011

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. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

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
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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012

Re: Need Christmas Credit Card

[ Edited ]

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 

Regular Contributor
dobirdsmommy
Posts: 215
Registered: ‎02-29-2012

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?

Wallet:ME: 400 Cap One, 1k Quicksilver/rewards, 500 Capital one 1100 FH, Santander Car 11k/15k, Chase Auto Loan 14/16k, VS 550, BH 600, Express 500, Avenue 500, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 1 Cap 1 CO, 2 FP CO, 2 HSBC CO, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 300 Cap One 400 Cap One 500 capital one 950 fh AU - VS, BH, HSN, QS 1k
Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012

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?


 


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