Rebuild Time!

[Anonymous]

I've begun the forbearance stage for the 2 accounts I have. They are reporting "current" but I have to make sure I catch the payments due in the next few days. I believe I should just place them in auto payment. Less on the brain for me to think about.

[Anonymous]

UPDATE:

A few hours ago; my wife and I were talking CC's since she just got her Chase Freedom 4k LMT card. I was browsing some SC carriers and decided I'd try for the Discover IT secured card.

5 minutes later I was approved with a $200 deposit/limit! Kudos to me huh! Card should be here within 2-3 weeks. 

This is exciting!

[Anonymous]

I would recommend grabbing the Cap1 Secured, too. No AF, and builds you a relationship with Cap1.

- C

[Anonymous]

I actually had a platinum UNSEC and and secured one prior. They both charged off with low balances which I have since then paid off. I tried to apply for a new one recently and they denied it. I'm thinking I should get started with this DC and get some use/payments under my belt before I try again.

[Anonymous]

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@Anonymous wrote:

I actually had a platinum UNSEC and and secured one prior. They both charged off with low balances which I have since then paid off. I tried to apply for a new one recently and they denied it. I'm thinking I should get started with this DC and get some use/payments under my belt before I try again.

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Ah, makes sense. Good plan!

[Vegas4Play]

Good luck to you, and have patience....it is all worth it in the end.

[Anonymous]

Update:

Discover card is here! Im only going to run a 30% usage on this card monthly as that usually is the sweet spot to gain points fast (30-33%)

We'll see where I'm at around Nov/Dec

[rebuilding123]

Best of luck on your rebuild! 

[Anonymous]

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@Anonymous wrote:

Update:

Discover card is here! Im only going to run a 30% usage on this card monthly as that usually is the sweet spot to gain points fast (30-33%)

We'll see where I'm at around Nov/Dec

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👌🏻

[Anonymous]

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@Anonymous wrote:

I actually had a platinum UNSEC and and secured one prior. They both charged off with low balances which I have since then paid off. I tried to apply for a new one recently and they denied it. I'm thinking I should get started with this DC and get some use/payments under my belt before I try again.

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If you have paid them off, you should be good to go with them again once the most recent CO is over 12 months old.