Secured Cards and Other Stuff

xXIDaShizIXx · ‎02-11-2014

So, as it turns out as I said in one of my previous posts, The Capital One Secured card I have has not been reporting. I got a letter from the credit analyst saying that it had not properly reported for two months, but should be reporting regularly now. Should I close this one and get a different secured card or what? And will this push me back from the six month mark, where I should have started getting prequalification offers? I have a BoA secured $500, Crap1 $500, and a AAMCO CarCareOne card with a limit of $500. Where should I go from here?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

ktl72455 · ‎02-11-2014

It should back date and update all prior and current information. You will be ok with it now.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

xXIDaShizIXx · ‎02-11-2014

@ktl72455 wrote:
It should back date and update all prior and current information. You will be ok with it now.

Ok should I just check prequal offers when I hit the six month mark?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

ktl72455 · ‎02-11-2014

I play with them all the time, so feel free to do it often and help pass the time :-) you might get lucky and get it before 6months!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

xXIDaShizIXx · ‎02-11-2014

@ktl72455 wrote:
I play with them all the time, so feel free to do it often and help pass the time :-) you might get lucky and get it before 6months!

Any easy prequals to get? I'm 4 months in so far.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

ktl72455 · ‎02-11-2014

Heres some of the ones I play with.

Citi	https://www.citi.com/credit-cards/creditcards/CitiHome.do
captial one	www.capitalone.com
chase	https://creditcards.chase.com/?fcsplit=1
discover	https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer?beyond=it&
BOA	https://www.bankofamerica.com/credit-cards/customized-offers/find-customized-offer.go?subchannel=ECV...
Barclays	https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action
credit one	http://www.creditonecards.com/

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

xXIDaShizIXx · ‎02-11-2014

@ktl72455 wrote:
Heres some of the ones I play with.

Citi https://www.citi.com/credit-cards/creditcards/CitiHome.do
captial one www.capitalone.com
chase https://creditcards.chase.com/?fcsplit=1
discover https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer?beyond=it&
BOA https://www.bankofamerica.com/credit-cards/customized-offers/find-customized-offer.go?subchannel=ECV...
Barclays https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action
credit one http://www.creditonecards.com/

The barclays one said that Barclaycard Rewards Aspiring Prime was recommended. Does that mean I meet their prequal?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

ktl72455 · ‎02-11-2014

Let me try it and see what it says for me...

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

ktl72455 · ‎02-11-2014

If it says:

Based on your information, these products might interest you.

Thats a NO.

At the bottom it says:

Barclaycard can periodically check for other card offer matches for you. Please enter your email address below so that we can notify you if an offer becomes available.

Email_________ Confirm Email________

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

ktl72455 · ‎02-11-2014

Dont stop trying and playing with them, when you finally get a Pre-approved you know you are getting better!!

I was pre approved for BOA and decided to wait.... now I try it and I am NOT but I also know why , so now I need to work on paying down credit cards to get my scores back up where I will be pre-approved again. I wont app unless its pre-approved!! I dont want to waste credit pulls.

Do you have any negatives on your credit report to work on while your credit cards get older?

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%