Credit Card Center Advertiser Disclosure†
04-25-2015 06:20 PM
12-23-2016 05:33 PM
Update on my progress so far. Two accts paid in full with a 3rd one to be cleared in January!
Creditor EST Start Actual Start Payment BALANCE RATE
|Bank of America - VISA (RPS)||$2,245||$2,298||1/6/2014||$43||Yes||$972||4.44%|
|Capital One (RPS)||$746||$736||1/6/2014||$151||Yes||$1||1.90%|
|Capital One (RPS)||$756||$760||1/6/2014||$15||Yes||$250||1.90%|
|Discover Card (RPS)||$6,001||$0||NP||$127||Yes||$2,436||6.99%|
|GAP / Synchrony (RPS)||$4,050||$4,122||1/8/2014||$76||Yes||$1,386||0.00%|
|Macy's - All Divisions / Citibank (RPS)||$1,407||$1,540||2/21/2014||$38||Yes||$485||8.00%|
|PayPal Buyer Credit / Synchrony (RPS)||$3,533||$3,782||3/12/2014||$65||Yes||$1,621||0.00%|
|Target VISA (RPS)||$3,626||$0||NP||$85||Yes||$650||0.00%|
|Wal-Mart Dual Card / Synchrony (RPS)||$3,858||$3,965||1/8/2014||$73||Yes||$1,337||0.00%|
According to our records, the following accounts are now paid in full and your monthly payment and maintenance fees have automatically been allocated to the remaining accounts in the program. This allows you to maintain your schedule to pay off your debt. Congratulations on your progress!Creditor NameLast 4 Acct#
|Citibank - Mastercard (2) (RPS)|
03-18-2017 06:22 PM
Did you apply for the new cards with Capital One while you were enrolled in the DMP? I just signed up with ACCC myself and sent in my first payment just a week ago. I have about 8 or 9 accounts enrolled and so far 4 proposals have been accepted.
03-18-2017 06:35 PM
If you have a Cap 1 card in the program they will not let you get any new cards from them directly until you finish paying off and the account is closed out. You can only receive affiliate cards (GM Cap 1, Playstation or sony cap 1 for example). Since you are newly enrolled I suggest you wait at least 6 months after full enrollment before you apply for any new cards. The first card I got outside the program was from Credit One with a $500 CL.
03-19-2017 02:43 PM - edited 03-19-2017 02:54 PM
I am going to state the obvious, dont get any cards if you dont need them. I needed a card for work purposes.
Hey riychu070! Thanks for sharing your story. Pardon my ignorance, but I thought you weren't allowed to apply for credit while enrolled in a DMP.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.