topic Re: first premier, credit one, lendup? in Credit Cards

first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 00:39:34 GMT

Starting to rebuild and scores are pretty bad but i am getting three offers from subprime lenders. First Premier, Credit One and Lendup. No credit Card baddies but some medical bills and utilities. I am planning on getting a secured card as soon as i can but for right now are any of these cards worth considering?

Re: first premier, credit one, lendup?

tcbofade — Mon, 16 Apr 2018 00:46:25 GMT

No, No, and I doubt it.

Have you tried to prequalify with Capital One?

They're pretty forgiving of past troubles...

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 00:49:13 GMT

I agree! Capital One is your best bet!

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 00:49:56 GMT

What’s your FICO 8s and your FICO Bankcard 8s if you know those?

Re: first premier, credit one, lendup?

Sneakytiki — Mon, 16 Apr 2018 00:55:51 GMT

Cap One, Discover or Discover Secured. If you have any military ties what so ever with family, significant other or yourself etc. Navy Federal and USAA have great secured cards as well, NFCU is superior to USAA.

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 02:16:32 GMT

Cap one offered me a secured card, while discover gave me no offers. My scores range from 512 trans and 524 equifax 516 exp. No family in the military. I know my best bet right now is a secured card but i cant at this very moment, so just wanted to start putting some postive credit history on my report. Have heard horror stories of credit union and first premier but dont know much about lend up.

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 15:22:40 GMT

I agree with those that suggested Capital One's secured option. You might want to look into a Fingerhut Freshstart account because that program specifically targets people with bad credit. As for First Premier and Credit One, they are terrible cards that usually impose ridiculous AFs.

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 15:28:23 GMT

Yes, think i will avoid the subprimes and hold off to get a secured account. I will also look into fingerhut, thanks everyone.

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 15:30:41 GMT

For most people whether that be rebuilding or just starting credit history your gonna start out with a secured card. Another option is to become an authorized user on someone else's card. If you wanna take a shot at an unsecured card I'd say go the capital one platinum card route. But I highly recommend you apply for a secured card. If you have a local credit union sign up and try there or try capital one secured.

Re: first premier, credit one, lendup?

Adkins — Mon, 16 Apr 2018 15:36:35 GMT

@Anonymous wrote:
Yes, think i will avoid the subprimes and hold off to get a secured account. I will also look into fingerhut, thanks everyone.

Please do not waste a HP on Fingerhut! (I, too, had them in my early rebuild! And I closed the account less than a year later). Do the secured card route, two of them, then garden for six months and continue to work on your baddies. I also agree with a PP, check with your banking institution or a local credit union, for another secured card. (I say no to Fingerhut because you might be able to use that HP for something better later!)

Re: first premier, credit one, lendup?

Anonymous — Mon, 16 Apr 2018 15:59:45 GMT

Lendup I got with scores near yours. Not a secured card though. Also Kohls and Shopping Card trick are you friend at such levels.