I'm using usashoppingclub.com this is the same card the forementioned my fico member uses. Again, I just got the card this month so it's not reporting just yet.
Let me know how it works for you. I've found that most members frown this site frown on this card. But I'm not really sure why.
LaSha'
p.s. Also, there is a Horizon card w/ $3K limit. However, there is a monthly fee of $14.95 per month and it comes with a benefits package. The rep. told me that even if I "don't" place and order with them if I just pay the $14.95 per month. They would report to TransUnion as a revolving unsecured credit card (3K limit). So for $14.95 a month, I think it's a good deal..............that's over $10K on TransUnion, I'll apply for a Hooters and such toward the end of the year.
Good luck!
pssst. for some reason I wasn't able to send you a PM
In answer to my own question, I just stumbled on this site, which lists several different "catalog cards":
http://catalog-credit-cards.balance---transfer.com/
However, the first six card listed are, I believe, all equivalent to the usashoppingclub mentioned in a post above. I just spent a long time poring over complaints at ripoffreport.com about usashoppingclub (more than 100 going back at least to 2005). Main complaints seem to be: were "tricked" into signing up when they signed up for something at other websites, most notably payday advance sites, had money withdrawn from their bank account without knowing exactly who was doing it or how it happened (again, because of signing up for something else) (so, bottom line: they use sleazeball tactics to gain customers), very unresponsive customer service (in fact, the 800 number they publish is completely different from their real number), were told one down payment, but then a different, greater amount was withdrawn from their bank account, and (most alarming if one goes into it believing they know the terms) money continuing to be withdrawn from bank account after items are paid for.
A few years ago, when I was really bottomed out, I made the mistake of getting into a payday advance cycle that automatically deducted from my bank account. The auto deductions seemed to go on forever, and my bank would not cut them off because I had "agreed to those terms." Even after it was finally paid off, quite a few months later I started getting harassing calls from a CA claiming that I still owed money, and it showed up as a collection on my CR. I had to go through some effort to get that cleared up and removed (to their credit, the payday advance co. did remove the bad report very quickly after I called and they agreed that I was paid--but I think I was just lucky in getting a responsive CSR).
Since that experience, I am very very leery of automatic withdrawals from my bank account, even for established things like utilities or valid CCs. It is just too easy for mistakes to happen, for overdrafts to happen if the money is short on one particular day, resulting in exorbitant fees, a big hassle, and potential domino effect on other outstanding checks, and for unknown people to have access to private banking information, including merely incompetent/disorganized people and outright dishonest scammers and thieves, some most likely even in other countries.
I guess I'll avoid "merchandise cards" or "catalog cards" unless/until I come across an offer that doesn't sound "too good to be true."
http://catalog-credit-cards.balance---transfer.com/
However, the first six card listed are, I believe, all equivalent to the usashoppingclub mentioned in a post above. I just spent a long time poring over complaints at ripoffreport.com about usashoppingclub (more than 100 going back at least to 2005). Main complaints seem to be: were "tricked" into signing up when they signed up for something at other websites, most notably payday advance sites, had money withdrawn from their bank account without knowing exactly who was doing it or how it happened (again, because of signing up for something else) (so, bottom line: they use sleazeball tactics to gain customers), very unresponsive customer service (in fact, the 800 number they publish is completely different from their real number), were told one down payment, but then a different, greater amount was withdrawn from their bank account, and (most alarming if one goes into it believing they know the terms) money continuing to be withdrawn from bank account after items are paid for.
A few years ago, when I was really bottomed out, I made the mistake of getting into a payday advance cycle that automatically deducted from my bank account. The auto deductions seemed to go on forever, and my bank would not cut them off because I had "agreed to those terms." Even after it was finally paid off, quite a few months later I started getting harassing calls from a CA claiming that I still owed money, and it showed up as a collection on my CR. I had to go through some effort to get that cleared up and removed (to their credit, the payday advance co. did remove the bad report very quickly after I called and they agreed that I was paid--but I think I was just lucky in getting a responsive CSR).
Since that experience, I am very very leery of automatic withdrawals from my bank account, even for established things like utilities or valid CCs. It is just too easy for mistakes to happen, for overdrafts to happen if the money is short on one particular day, resulting in exorbitant fees, a big hassle, and potential domino effect on other outstanding checks, and for unknown people to have access to private banking information, including merely incompetent/disorganized people and outright dishonest scammers and thieves, some most likely even in other countries.
I guess I'll avoid "merchandise cards" or "catalog cards" unless/until I come across an offer that doesn't sound "too good to be true."