Credit Cards

[nicholasyud]

If you had extra cash in hand you would go ahead and apply for maybe 2 to 3000 as a secure card with your current bank or Credit union then in 6 month to a years when you app for another card they might approved you with a higher limit.......match with your high trade line

[ninjamike81]

i have a credit union acct.  i was planning on getting a secured card with them on wed. of next week. starting it at 250.00 and adding money as i can  thanks for the imput

[nicholasyud]

You know it's good to ask the, and explain to them your situation you probably don't have to go witH secured but unsecured card since its only one hard pull.I mean it's all up to you but it's probably start at least 1000 in the next 6 months for a better qualify product in the long term. Lender look attour high trade line if they offer you their product.

And keep in mind after this one it's should be good enough no more app for a while.

[ninjamike81]

The secured card through my CU is no pull involved and reports to all 3 cra's.  After not getting instant approval on old navy have decided to just garden after the CU sec card.  Very happy about the walmart card though.  No annual fee and free TU report.  How do I find that.  Or does that info come with the card.  And how do I tell if its disc. Or just the store card. Need to find NO A/F card that only pulls experian.  Was thinking best buy but I don't know what they pull and has $49 A/F.  Will walmart close the card if not used or can I SD it

Thanks mike

[nicholasyud]

You get too excited about those new apps my friend slow down and play smart for higher credit limit.......Patience is a main keys ;-). Just sayin"