SHOPPING CART TRICK

[SunriseEarth]

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@Anonymous wrote:

ok maybe ill give victoria secret a try?

I have no credit cards at all yet. 0%.

all i have is a good auto loan, lots of medical collections, 6 hard inquireys, 584 CK score, and 7 deragatory marks. all baddies are medical.

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Have you posted yet in the "Rebuilding" forum?   I highly recommend them to help work on the baddies!

[SunriseEarth]

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@Dw4250 wrote:

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@Anonymous wrote:

i am doing that now, thanks!!!!!!!!!!!

and that VS thing worked! debating whether i should take it or not. Is there anything else as easy to get that's less **bleep**?

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If there's no "rush" I would suggest working on getting those medical collections removed first.  My guess is if sucessful you will see a sizeable jump in your FICO and thus will not need to monkey around with any shopping card tricks.

Unless you are a big VS shopper (or whatever store card), I would suggest staying away from store cards in general.  Good rule of thumb...if you do not shop at Store X at least once a month, don't get their card.  There are many stories on here of people saddled with store cards they do not want/use (and it also pulls down your AAofA).

Good luck!

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Agreed.   Make sure you get CCs that will be useful to you.   I got the VS Angel Card just because I could.   However, I only use it at BBW, and that doesn't accumulate rewards on that card.   :-(   

[Anonymous]

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@Anonymous wrote:

i am doing that now, thanks!!!!!!!!!!!

and that VS thing worked! debating whether i should take it or not. Is there anything else as easy to get that's less **bleep**?

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Take it!  You can use it at Bath & Body Works too.  It's a start.

[Anonymous]

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@Anonymous wrote:

yes i do have a capital one secured card on the way soon i hope, i was approved and funded the 99. also applied for a merrick bank card and funded it 215, though no word on approval yet. i just did this so it's gonna be a little while i suppose

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Good job and you'll be on your way to better credit in no time. 

[Anonymous]

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@Dw4250 wrote:

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@Anonymous wrote:

i am doing that now, thanks!!!!!!!!!!!

and that VS thing worked! debating whether i should take it or not. Is there anything else as easy to get that's less **bleep**?

---

If there's no "rush" I would suggest working on getting those medical collections removed first.  My guess is if sucessful you will see a sizeable jump in your FICO and thus will not need to monkey around with any shopping card tricks.

Unless you are a big VS shopper (or whatever store card), I would suggest staying away from store cards in general.  Good rule of thumb...if you do not shop at Store X at least once a month, don't get their card.  There are many stories on here of people saddled with store cards they do not want/use (and it also pulls down your AAofA).

Good luck!

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True, I have at least 3 that I regret getting.