03-12-2013 12:56 AM
Macys $1500 1 year
BrandSource/ Citi $2000 6 months
Kohls $500 3.5 years
Orchard Bank $300 3 years 59 annual fee
best buy reward zone mastercard $500 1.5 years 59 annual fee
Yeah I have banked with them for 7 years and I kept receiving "pre-qualified" offers so i finally just bit the bullet and they approved me for $4000. I was thinking it was somehting I could build on my path to better and I was too scared to apply for better lol.
I also just got the Wells Fargo cash back. For 6 months you get 3% rewards and 0%APR, so most all expenses are going through that card now.
On the Orchard and Best Buy, call them when the AF is due and try to negoiate a waiver or reducton of AF before closing it. Or on the other hand, You may get a better card for either Orchard or BB as both are transisitoning to new banks, so waiting might be worth it.
03-12-2013 05:17 AM
03-12-2013 05:26 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.