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I agree with the previous posts... I started rebuilding at the end of July after years of accumulating baddies of $200 here, $400 there (utilities mostly). It sucks, but it gets better. Once you get hard copies of your three reports, and your scores, you know where you're starting point is. That's when you scream to yourself, "what took me so long?!" But it gets better. I grabbed the Discover It secured at $200. Next day grabbed the Cap1 secured at $200. Both were talked about by another member on this forum. Since then (three statement months, almost four), my scores have gone up roughtly 80 points on average via FICO. It's all patience.
@Anonymous wrote:
@rmduhon wrote:
Does your bank/CU offer secured cards? At this point that may be the only option until the Cap1 Platinum reaches 6 months.No it actually does not. I may start reading about becoming a member at a CU, as I am not currently. Thanks.
@Anonymous wrote:When I had your credit scores (not too long ago) I applied for credit one, and First Premier...got approved on both, but with major catches. Both of these cards have very high fees, and often will not offer anything over $300-$500 in CL. I have read on the forum that secured cards with no fees are a good idea.
Thanks. Do you know, do secured cards report differently on your credit report that unsecured ones?
@Anonymous wrote:
I would baby that Cap One card. Treat it very well and you'll see some increases. They may even let you upgrade it to a QuickSilver after not too terribly long.Will do. I believe I was offered the Quicksilver Card when I applied to Capital One. I remember being offered the Platinum and QS card and chose the Platinum because it had zero annual fee.
Is the Quicksilver card better for any reason? Rewards I'm guessing? I'm not really into rewards. If it is better for CLI's and is a better card I guess I should have chose it!
Thanks!
Actually you made the right choice. The Platinum is better because its no AF, and you can have the QS rewards added to it after the first statement - it will remain no AF after doing that.