11-18-2008 09:42 PM
Nothing for me yet, though my two revolving credit cards are both Secure cards. I don't think they can CLD me when I have plunked down cash to have a specific credit limit.
I'm slightly concerned that Sears would CLD me for not using my account as often as they would probably like. On average maybe $15/month and always PIF.
11-22-2008 11:51 PM - edited 11-22-2008 11:53 PM
11-23-2008 05:10 AM
No AA's as of yet - total TL's 14 cc's, 3 store, 1 charge. I currently have 2 cards with BT's all others I rotate usage and PIF. Rec'd the following CLI's recently -
Oct: Chase Disney +10k (hard) and Paypal MC +1.25k (soft) on Paypal MC.
Nov: US Bank +1.5k(soft) and Discover +3k (hard).
Amex revolvers no CLD even with the BT balances on CIti (2 offers: 0% thru Aug 2009 & 3.99 Life) and BOA (0% thru 5/2009). I pay about 5x the min on each card per month. My goal with the BT's was to establish a strong payment history (which is working), Citi card opened 12/07 and BOA 03/08.
Now if you should ask about the state of my 401k - that's another matter....
Good Luck to All as we navigate through this banking mess!