topic Re: PC Richard Card approved with co signer in Credit Card Approvals

PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 01:17:48 GMT

I have been needing a new fridge. Mine was orinigal sub zero from when i built my home in 1991. So its one the frits and the repairs are so costly it makes sense to buy new. My credit is shot, my bankrupcty discharged a few months ago scores suck like 590ish. My husband has a lot of trade lines and i didnt want him to open another. So I was going to just buy one cash in the store.I went with my sister and the salesman asked to apply for the financing since its sub zero it only qulalifed for 6 months. So I told him my situation and said my sister can co sign. So we apply together and we were approved for 5k!! The only situation is the fridge was $11,000 so he said he can call in and ask for more he requested another 10,000 and we were approved!!!. My sisters fico score is 810 her transunion. So I now have a postive trade line for 6 months interest free. Hopefully this will boost my score a little more.

Re: PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 01:41:36 GMT

@Anonymous wrote:
I have been needing a new fridge. Mine was orinigal sub zero from when i built my home in 1991. So its one the frits and the repairs are so costly it makes sense to buy new. My credit is shot, my bankrupcty discharged a few months ago scores suck like 590ish. My husband has a lot of trade lines and i didnt want him to open another. So I was going to just buy one cash in the store.I went with my sister and the salesman asked to apply for the financing since its sub zero it only qulalifed for 6 months. So I told him my situation and said my sister can co sign. So we apply together and we were approved for 5k!! The only situation is the fridge was $11,000 so he said he can call in and ask for more he requested another 10,000 and we were approved!!!. My sisters fico score is 810 her transunion. So I now have a postive trade line for 6 months interest free. Hopefully this will boost my score a little more.

Congrats...but OMG on the cost of that new fridge.

Re: PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 02:02:01 GMT

Congrats... But what can of fridge is it? Can you share pics if you don't mind?

Re: PC Richard Card approved with co signer

Creditplz — Mon, 13 Jun 2016 02:28:37 GMT

Congrats!! I got a Viking refrigerator built in, in December! Around the same price ! Make sure you get warranty!

Re: PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 08:34:52 GMT

Omg, I thought 1k was alot!!

Re: PC Richard Card approved with co signer

SouthJamaica — Mon, 13 Jun 2016 12:44:30 GMT

@Anonymous wrote:
I have been needing a new fridge. Mine was orinigal sub zero from when i built my home in 1991. So its one the frits and the repairs are so costly it makes sense to buy new. My credit is shot, my bankrupcty discharged a few months ago scores suck like 590ish. My husband has a lot of trade lines and i didnt want him to open another. So I was going to just buy one cash in the store.I went with my sister and the salesman asked to apply for the financing since its sub zero it only qulalifed for 6 months. So I told him my situation and said my sister can co sign. So we apply together and we were approved for 5k!! The only situation is the fridge was $11,000 so he said he can call in and ask for more he requested another 10,000 and we were approved!!!. My sisters fico score is 810 her transunion. So I now have a postive trade line for 6 months interest free. Hopefully this will boost my score a little more.

1. Did you say $11,000 for a refrigerator?

2. This type of trade line may not enhance your score. It probably shows up as (A) an installment loan (B) from a financing co.

3. The fact that it's interest free is meaningless in terms of your credit score.

4. No offense but if you're serious about building your credit score, spending $11,000 on a refrigerator is not the way to go.

Re: PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 13:09:59 GMT

Re: PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 13:11:18 GMT

@SouthJamaica wrote:
@Anonymous wrote:
I have been needing a new fridge. Mine was orinigal sub zero from when i built my home in 1991. So its one the frits and the repairs are so costly it makes sense to buy new. My credit is shot, my bankrupcty discharged a few months ago scores suck like 590ish. My husband has a lot of trade lines and i didnt want him to open another. So I was going to just buy one cash in the store.I went with my sister and the salesman asked to apply for the financing since its sub zero it only qulalifed for 6 months. So I told him my situation and said my sister can co sign. So we apply together and we were approved for 5k!! The only situation is the fridge was $11,000 so he said he can call in and ask for more he requested another 10,000 and we were approved!!!. My sisters fico score is 810 her transunion. So I now have a postive trade line for 6 months interest free. Hopefully this will boost my score a little more.
1. Did you say $11,000 for a refrigerator?

2. This type of trade line may not enhance your score. It probably shows up as (A) an installment loan (B) from a financing co.

3. The fact that it's interest free is meaningless in terms of your credit score.

4. No offense but if you're serious about building your credit score, spending $11,000 on a refrigerator is not the way to go.

When I built my home 25 years ago We bought all wolf and sub zero applicanes and that was it and they are built in the sub zero fridges and that is what fits

Re: PC Richard Card approved with co signer

Anonymous — Mon, 13 Jun 2016 13:15:31 GMT

@Anonymous wrote:
Congrats... But what can of fridge is it? Can you share pics if you don't mind?

Its a Sub Zero. http://www.pcrichard.com/Sub-Zero/Sub-Zero-30-2-Cu-Ft-Side-by-Side-Refrigerator-Stainless-Steel/648PROS.pcrp

Re: PC Richard Card approved with co signer

RonM21 — Wed, 15 Jun 2016 10:08:14 GMT

Congrats