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When can I get a better card?

New Contributor

When can I get a better card?

I got Aspire ($1000) and Orchard Bank ($500) credit cards a few years ago when my credit was completely trashed.  They both have high interest and annual fees.  Now, my TU is 580, Equifax is 649 and Experian is 682.  Can I start demanding a better deal now?
10 REPLIES
Moderator Emeritus

Re: When can I get a better card?

Now. These are your FICOs right?
New Contributor

Re: When can I get a better card?

Yep. Real FICOs. I called Aspire and they told me that they don't accept customer initiated credit line increases. I told them that they'd have to do a lot more than that to keep me. I want a lower interest rate and no annual fee. If Orchard doesn't help me either, where should I turn?
Moderator Emeritus

Re: When can I get a better card?



madriley wrote:
Yep. Real FICOs. I called Aspire and they told me that they don't accept customer initiated credit line increases. I told them that they'd have to do a lot more than that to keep me. I want a lower interest rate and no annual fee. If Orchard doesn't help me either, where should I turn?

Your EQ and EX scores alone would get you approved for Amex Delta Skymiles Gold, Hilton or Starwoods assuming you do not have a BK. They usually pull Ex and sometimes EQ.
Moderator Emeritus

Re: When can I get a better card?

Also try the Citi Premier Pass. If approved, convert to Dividend Plat Select.
New Contributor

Re: When can I get a better card?

I will try that. How long do I have to wait before I can convert? I had a chapter 7 discharged in '03. Is that going to be a problem for me?
Frequent Contributor

Re: When can I get a better card?



madriley wrote:
I will try that. How long do I have to wait before I can convert? I had a chapter 7 discharged in '03. Is that going to be a problem for me?

Yes it will be a problem with amex, i don't know about he citi
 
 
Tuscani, do you know which CRA citi pulls most freq?


Message Edited by Lori344 on 07-14-2007 10:11 AM
Moderator Emeritus

Re: When can I get a better card?

Citi is not BK friendly either.
 
 
Frequent Contributor

Re: When can I get a better card?



Tuscani wrote:
Citi is not BK friendly either.
 
 



Tuscani, do you know which CRA they pull (usually) I don't have a bk, and thinking about applying with them. I'm an AU on my husband's account and they will not convert to joint. Also, i've heard that they do not report your cl only high balance is this true?
Moderator Emeritus

Re: When can I get a better card?



Lori344 wrote:


Tuscani wrote:
Citi is not BK friendly either.
 
 



Tuscani, do you know which CRA they pull (usually) I don't have a bk, and thinking about applying with them. I'm an AU on my husband's account and they will not convert to joint. Also, i've heard that they do not report your cl only high balance is this true?


which state do you live in?