Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012
Re: Need Christmas Credit Card

webhopper wrote:
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.

+100000000     You didnt get your debt overnight so you are not gonna get lenders who you have burned 2 times with BK to trust you again overnight. It just doesnt happen.

Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 13/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 1 Cap 1 CO 08, 2 FP CO 08, 2 HSBC CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k