Re: Need Christmas Credit Card
09-16-2012 06:29 PM
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.
This really is good advice OP. I know it may seem like everyone is kind of "coming down" on you but we are honestly just trying to give you the best advice. I mean you literally just filed Bk for over $4 million dollars, its just gonna be virtually impossible to get any creditor to take a chance on you right now given all the recent events. its a wound only time can heal.