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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Need Christmas Credit Card

Time to scale back on gift giving for 2012.... seeing as you didn't really pay back the gifts for 2011... IIB....

Starting Score: 08/29/2011 TU 671 EQ 674
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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
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Re: Need Christmas Credit Card

[ Edited ]

the gifts for 2011 were on business credit and i always tried to pay my creditors but because of my explosive rate on my mortgage i had to file and last year was the most i ever spent because i bought my daughter a mercedes 


webhopper wrote:
Time to scale back on gift giving for 2012.... seeing as you didn't really pay back the gifts for 2011... IIB....

 

Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: Need Christmas Credit Card

I have four kids 

16,10,6, 9 months all girls

 

i want to get my my older children apple ipad and macbook each and some clothes and my 6 year old saw i real size dollhouse at fao schwartz 

 

so that why im just looking for some credit to rebuild 


nicholasc77 wrote:

the gifts for 2011 were on business credit and i always tried to pay my creditors but because of my explosive rate on my mortgage i had to file and last year was the most i ever spent because i bought my daughter a mercedes 


webhopper wrote:
Time to scale back on gift giving for 2012.... seeing as you didn't really pay back the gifts for 2011... IIB....

 


 

 

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Need Christmas Credit Card

I'm guessing you had an ARM.... which reset or required a balloon payment.

I think you are asking a lot of middle income Americans how to get credit for Christmas and unfortunately its not possible due to your bankruptcy. Secured cards and loans will help you rebuild... as well as time.

Best advice is to stop searching for a new card because your credit is very black right now and not in a Alex centurion way.

I agree with posters who have suggested that you switch your spending to cash or secured card only. And there is nothing wrong with scaling back on gift giving for 1 year.

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
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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: Need Christmas Credit Card

[ Edited ]

webhopper wrote:
I'm guessing you had an ARM.... which reset or required a balloon payment.

I think you are asking a lot of middle income Americans how to get credit for Christmas and unfortunately its not possible due to your bankruptcy. Secured cards and loans will help you rebuild... as well as time.

Best advice is to stop searching for a new card because your credit is very black right now and not in a Alex centurion way.

I agree with posters who have suggested that you switch your spending to cash or secured card only. And there is nothing wrong with scaling back on gift giving for 1 year.


i bought my house in 2002 for 615,000 and today i owe close to 1.8 million and i did have arm with a rate of 8.750 and my taxes are about 26,000 a year which im in the process of grieving them i was on the verge of losing my home thank god i recieve a mod. and i consider myself the same as everybody on here i was just telling you the creditors and amounts. thank you i am gonna stick to cash for a while 

 

thanks

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Need Christmas Credit Card

As a parent I know how it feels to want to give nice gifts to your kids. But if you cant pay cash for it then you aren't doing them any favors at this point by giving them things you cant pay cash for.

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
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MyFICO Fitness Goal: 800s Club!



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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: Need Christmas Credit Card

i bought my house in 2002 for 615,000 and today i owe close to 1.8 million and i did have arm with a rate of 8.750 and my taxes are about 26,000 a year which im in the process of grieving them i was on the verge of losing my home thank god i recieve a mod. and i consider myself the same as everybody on here i was just telling you the creditors and amounts. thank you i am gonna stick to cash for a while 


webhopper wrote:
As a parent I know how it feels to want to give nice gifts to your kids. But if you cant pay cash for it then you aren't doing them any favors at this point by giving them things you cant pay cash for.

 

Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012
0

Re: Need Christmas Credit Card


webhopper wrote:
I'm guessing you had an ARM.... which reset or required a balloon payment.

I think you are asking a lot of middle income Americans how to get credit for Christmas and unfortunately its not possible due to your bankruptcy. Secured cards and loans will help you rebuild... as well as time.

Best advice is to stop searching for a new card because your credit is very black right now and not in a Alex centurion way.

I agree with posters who have suggested that you switch your spending to cash or secured card only. And there is nothing wrong with scaling back on gift giving for 1 year.

+100000000     You didnt get your debt overnight so you are not gonna get lenders who you have burned 2 times with BK to trust you again overnight. It just doesnt happen.

2011 starting score 383 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 12/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 2 FP CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Need Christmas Credit Card

Good luck to you!

I hope everything works out

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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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Need Christmas Credit Card


webhopper wrote:
I'm guessing you had an ARM.... which reset or required a balloon payment.

I think you are asking a lot of middle income Americans how to get credit for Christmas and unfortunately its not possible due to your bankruptcy. Secured cards and loans will help you rebuild... as well as time.

Best advice is to stop searching for a new card because your credit is very black right now and not in a Alex centurion way.

I agree with posters who have suggested that you switch your spending to cash or secured card only. And there is nothing wrong with scaling back on gift giving for 1 year.

This really is good advice OP. I know it may seem like everyone is kind of "coming down" on you but we are honestly just trying to give you the best advice. I mean you literally just filed Bk for over $4 million dollars, its just gonna be virtually impossible to get any creditor to take a chance on you right now given all the recent events. its a wound only time can heal.



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