@p- wrote:
2FixMyCredit wrote: Lol! Such wonderful laugh's you have given me that last couple of days.
Glad I could help! I kept my Wells Fargo secured card a sum total of 6 months, and that was about 5.99 months too long.
Also, in case no one else mentioned it, you might consider adding a secured card. Sometimes a secured high limit can be the gateway to higher limits on other cards. Have you thought about that? I mean, it's not like you're in with B of A or anything.
Hahaha! Goodness you're a crack up! 
@p- wrote:... regarding your original question, I maintain that it's best to wait on USAA until you have an offer. I jumped the gun myself, and got denied for the USAA Amex. But a year later they preapproved me, and when I applied I got 3k. Then 6 months later they raised it to 6k. Everything I've read supports the pre-approval as gold for USAA.
And don't take it personal if a few of us mess with you. That's just how the internet rolls.
Oh I don't take it personally at all I found it hilarious and usually have a great laugh at it. I've been apart of so many forums, run my own and been a moderator of them so I know how they run and how people are.
Your USAA, you receive the preapproval in the my offer section? I'll be keeping an eye on mine but I really doubt I'll be adding an additional credit for atleast a year.
@2FixMyCredit wrote:Moronic post of the year award goes to....
Fingerhut is reporting, I didn't say I was using it. Did I?
Also, I'm a she. No a he, or a dude.
Fingerhut will most likely give you a low limit which will not grow unless you use it. So if you're just using it for the sake of "having it" then it's not doing you much good. People here are trying to help you but in the true nature of people that "know everything" you think you know better than those who have been there, done that. So you're going to take 2 or 3 years to build what you could do in 6 months to a year. I wish you luck in your rebuild but I must now leave you in the dust with the rest of the people who got left behind. You will find my bread crumbs of delicious meals eaten and good credit established along your harsh and bitter extended journey. You can cook those crumbs in your $120 Fingerhut pan with the coating the rubs off.
Why would I be offended at somebody who is doing something wrong? It's your journey. If you want to use a wrench to hammer nails, then that's all your choice. A wrench can be used as a hammer but there are better tools to use. If you don't open your eyes to other options you are just limiting your own growth.
Do what you wish...it's clear you are going to anyway. Not even sure why you're asking for any kind of advice when you clearly know what you're doing. I love how you're on a forum with tens of 1000's of people who have rebuilt their credit with secured cards but you somehow know better with your Fingerhut account. Fingerhut isn't a bad option if that's your only option (see my signature as proof), but to say it's going to lead you to that Chase Sapphire is just deluding yourself.
