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

Re: Need Christmas Credit Card

Like I said It was a lease it is only 440 a month and it's safe and affordable


webhopper wrote:
My kid will be driving a 8 yr old volvo for safety... and our HHI is high. I don't believe in giving a kid a 40k toy.... but that's just me.

 

Regular Contributor
Posts: 131
Registered: ‎08-05-2012
0

Re: Need Christmas Credit Card


nicholasc77 wrote:

That's right I had to file two times ok get this straight i brought her a c class for safe and it's a lease when it's up she is on her own 


jsucool76 wrote:

XxRaVeNxX wrote:

Quick Question: Not meaning to bash like everyone else...I'll feed the trolls...'

 

But, you bankruptcy was finalized in July/August, and you already have 8 credit cards with in 30 days...you do realize how inquiries hurt you, and this recent influx of store cards doesn't help...


His Second bankruptcy, don't forget that part 


 


Not judging or trying to, but I had read the post in the auto credit and now here.....Just totally mind blowing....YOUR DAUGHTER doesn't need a Mercedes.....Safety aide and as mentioned earlier there are safe cars at reasonable prices.....The wife, if she wants that lifestyle, maybe scaling back on other things, and it seems you are caught up with "what the Jone's" will think......

 

Family it is important, but apparently they haven't been taught the real value of "family" or "love", material things aren't it.  Off my soap box now.  I agree to set yourself a budget for the holidays and use cash.....The whole BK thing has me confused where people walk away from debt, and others struggle to pay off what they owe, and they walk right back into issues.....


Starting Score: 7/12 545 EX (PSECU)
Current Score: 689 EX (PSECU) / EQ 697 / TU 703
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Need Christmas Credit Card

Oh geez I didn't even catch this being the second bankruptcy. OP should not ever touch a credit card again. This is insane.

100% Ficos: EX 776 , TU 780, EQ 774 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Regular Contributor
Posts: 201
Registered: ‎08-19-2012
0

Re: Need Christmas Credit Card


nicholasc77 wrote:

Coming from absoluty no money living in the Bronx to havingood successful like does mean a lot to me and having nothing makes me wanting everything I'm sorry 

 



That's the mentality and the reason people who win the lottery are broke a year later....

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
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Need Christmas Credit Card

 


nicholasc77 wrote:

Like I said It was a lease it is only 440 a month and it's safe and affordable


webhopper wrote:
My kid will be driving a 8 yr old volvo for safety... and our HHI is high. I don't believe in giving a kid a 40k toy.... but that's just me.

 


Errr not if you're bankrupt.... if you are bankrupt then your view of affordability is skewed in a very basic way which led you to bankruptcy. I think there are some underlying emotional issues here and you may need a professional financial counselor to help you adjust your way of thinking about affordable vs not affordable.

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!



Take the myFICO Fitness Challenge
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Need Christmas Credit Card

[ Edited ]

nicholasc77 wrote:

Like I said It was a lease it is only 440 a month and it's safe and affordable


webhopper wrote:
My kid will be driving a 8 yr old volvo for safety... and our HHI is high. I don't believe in giving a kid a 40k toy.... but that's just me.

 


 When my son turned 16, he received a bicycle and a good helmet to get to and from work!!

100% Ficos: EX 776 , TU 780, EQ 774 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Re: Need Christmas Credit Card

Why would OP even want to chance getting into that mess again for a THIRD time? Don't worry about "status symbols", which is obviously all you care about. If you can't pay for it with a secured card or cash, you don't need it. Get rid of the Mercedes, get an older used car (just as safe if not safer models out there for about 20-25k CHEAPER). You'll have to give up the shiny hood decal, but come on guy...seriously.

 

Youve screwed the pooch twice. Grow up and step away from unsecured credit in any way, shape or form.


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Valued Contributor
Posts: 1,764
Registered: ‎03-23-2012
0

Re: Need Christmas Credit Card

Well, as the saying goes:

Insanity is doing the same thing over and over and expecting a different outcome.

Good luck, OP

Everyone, have wonderful week!!
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Contributor
Posts: 94
Registered: ‎06-13-2007
0

Re: Need Christmas Credit Card


nicholasc77 wrote:

My credit the first time was not damaged my cards were not touch it waS all business credit


ah12345 wrote:
wow and he says that with such a pride man you messed up not ones but twice and it seems you havent learn anything from it because you are ready to rack up some more debt. sorry but santa broke this year thats reality for you at the moment. your credit its burned it will take time to heal and your not allowing it.

nicholasc77 wrote:

That's right I had to file two times ok get this straight i brought her a c class for safe and it's a lease when it's up she is on her own 







 


Well that shows that you cant manage business nor your personal now. Sorry but you dont need no more credit.

 


Starting Score: 607 (5-3-12) EQ FICO
Current Score:671 EQ FICO (12-15-13);669 TU FICO (12-5-13); 699 (12-2-13) WALMART FICO; 695 EXP FICO (6-24-13)
Goal Score: 700+ Across The Board


Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Need Christmas Credit Card

Thread is locked and under Moderator review.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.