Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011
Re: Need Christmas Credit Card
I'm guessing you had an ARM.... which reset or required a balloon payment.

I think you are asking a lot of middle income Americans how to get credit for Christmas and unfortunately its not possible due to your bankruptcy. Secured cards and loans will help you rebuild... as well as time.

Best advice is to stop searching for a new card because your credit is very black right now and not in a Alex centurion way.

I agree with posters who have suggested that you switch your spending to cash or secured card only. And there is nothing wrong with scaling back on gift giving for 1 year.

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