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Frequent Contributor
theshadow12345
Posts: 252
Registered: ‎06-27-2007
0

Re: First Premier Bank

Oh no. I can't apply for a Orchard Bank card because it's HSBC. I have a 4 accounts with them that are delinquent from 2002...
 
Im running out of choices here..
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Established Contributor
busywoman
Posts: 579
Registered: ‎07-07-2007
0

Re: First Premier Bank

I would stay away from FPB. I have 2 cards now which I've had for years. The fees are outrageous and it is difficult to obtain a CLI.
 
I am only keeping them because I don't want to close them but am keeping the balances close to $0.
(04/21/08): TU683, EQ670(5/10), EX701(5/4)
(11/24/07): TU681, EQ671, EX684
(07/07/07): TU578, EQ572, EX583
Established Contributor
dog
Posts: 560
Registered: ‎05-03-2007
0

Re: First Premier Bank

step away from the application with you hands in the air....
Frequent Contributor
theshadow12345
Posts: 252
Registered: ‎06-27-2007
0

Re: First Premier Bank

I threw it away already.
Thanks
 
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Valued Contributor
Boswd
Posts: 1,065
Registered: ‎04-26-2007
0

Re: First Premier Bank

Right now you've got a secured card, and a small loan with your Credit Union.   What I would do is just chill for a few months, use your card wisely, pay in full or leave the 1-9% utilization, pay on your loan. and let your card and loan work for you.  It's all about patience.  You don't want to go on application spree especially if you still have a bad credit score.   Just wait a few months and with good on time paying better offers should be right around the corner.
Frequent Contributor
theshadow12345
Posts: 252
Registered: ‎06-27-2007
0

Re: First Premier Bank

Thanks BOSWD. I'll hold off on everything for a while.
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Valued Contributor
Boswd
Posts: 1,065
Registered: ‎04-26-2007
0

Re: First Premier Bank

Yeah, I think that's the best bet.   I was in a similar position about a month and a half ago.  I started seeing some major improvement on my credit score,  got approved for the $99/$500 BoA card and the Ochard Bank unsecured $300 CL .   and I wanted to apply for maybe one more but thought better of it since I am way to fresh out of horrible credit and just didn't want anymore dings.    Just want the cards to work for me.

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