Believe me ... over the years they have saved my butt! They also are really nice (or were to me) about giving me money ... eventually (because they are SO nice) (over the corse of probably 10 years) ended up with a 2nd mortgage with them. When I think of it now ... what a sucker I was.
If you need the money and you are okay with there terms .. I would go for it!
Mine were installment loans not a CC. You just HAVE to pay on time because they are big on charging you a late fee, even if only a half a day late. When we had like four hurricanes here within a month they sent me a letter stating that if I needed to waive a payment or two they would work with me ... I would still be paying that loan if I had taken them up on thier nice gesture. I'm not saying they are crooked but sometimes it just felt like it. At one point I started actually watching my applied payments and I use to think it would never be over because the principal amount being paid every month was like $15.00 .
It's over now, they are on my CR showing as paid in full/as agreed. I did have late payments with them from time to time and not one is showing.
Goodluck,
Veee
mindbot7 wrote:
Thank for all the replies
@ Veee, so what would you advice me, i need the money too but i don`t want to hurt my credit except for hard pull. also you mentioned "they try to charge you for everything" what do you mean. is it not the same as credit cards just APR fees?
Myfico scores as of 11/12/08 TU 750 EX 722
MyFico scores as of 9/20/08 TU 638 EX 663 EQ 691