topic Re: Time to move on up. in Credit Cards

Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:27:19 GMT

I need to get some major/bank cards to continue building my credit file. As of right now I only have store cards, rebuilder cards, and junk accounts from GEMB and what not. I am about to apply for CCCU but does anyone have any other suggestions of where to look. My Eq FICO is 706 and I have no baddies.

Re: Time to move on up.

Anonymous — Mon, 12 Nov 2007 21:29:17 GMT

I'm curious, I think I stated this in a previous thread, but I really wanna know.

What's the difference between how the store cards and major bank cards are reported?

They're all revolving lines of credit, does fico really care?

Re: Time to move on up.

Anonymous — Mon, 12 Nov 2007 21:34:50 GMT

Congrats on the good score!

Here's one place that you can try:

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

That site will pull a soft inq on you I think, as you are NOT applying for credit at that point.

There's always the major banks, such as WaMu and Chase. 'Sup to you.

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:35:10 GMT

TheCynicalOne wrote:
I'm curious, I think I stated this in a previous thread, but I really wanna know.

What's the difference between how the store cards and major bank cards are reported?

They're all revolving lines of credit, does fico really care?

I have no idea but I know that FICO is picky about it. I neeeeed a MAJOR no fee credit card ASAP!

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:37:07 GMT

Sylviatob wrote:
Congrats on the good score!

Here's one place that you can try:

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

That site will pull a soft inq on you I think, as you are NOT applying for credit at that point.

There's always the major banks, such as WaMu and Chase. 'Sup to you.

I gave that a shot already but they make no offers and I think it's because I have fraud alerts on my reports. I am in the process of trying to remove them but I'm waiting to get some help from another thread I posted.

Re: Time to move on up.

Creditaddict — Mon, 12 Nov 2007 21:37:20 GMT

with a 706 go for AMEX!!! forget the rest.

Delta or blue

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:39:09 GMT

Creditaddict wrote:
with a 706 go for AMEX!!! forget the rest.
Delta or blue

I have read alot of nightmare stories about Amex on here like hard pulls for FR's.

Message Edited by illcrew3 on 11-12-2007 01:39 PM

Re: Time to move on up.

Anonymous — Mon, 12 Nov 2007 21:39:40 GMT

Ahhhhh, ok. Gosh, from what I've heard on the forum, if you have a fraud alert, it's a little more difficult to have a lender take a close look at you.

Re: Time to move on up.

Creditaddict — Mon, 12 Nov 2007 21:42:32 GMT

www.capitalone.com they have some good prime rate cards

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:47:27 GMT

Creditaddict wrote:
www.capitalone.com they have some good prime rate cards

I have also heard some real bad C1 stories.

Re: Time to move on up.

Anonymous — Mon, 12 Nov 2007 21:49:38 GMT

Why is GEMB considered junk accounts? Tks Vicki

Re: Time to move on up.

Creditaddict — Mon, 12 Nov 2007 21:50:46 GMT

no bank is perfect... but overall unless you get a fr, amex is spotless if you ask me

and people that have reported c1 issues i think are with rebuilder cards... prime cards like there signature with no pre set spending limit and fixed 8.9 apr, can't really beat that.

www.citibank.com is a huge prime lender with tons of different cards also.

pick a couple!

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:50:49 GMT

greyhound2007 wrote:
Why is GEMB considered junk accounts? Tks Vicki

From what I have read FICO does not concider them a major account.

Re: Time to move on up.

Anonymous — Mon, 12 Nov 2007 21:52:22 GMT

So if you have GEMB accounts they score you different? Tks Vicki

Re: Time to move on up.

Dawn — Mon, 12 Nov 2007 21:53:40 GMT

illcrew3 wrote:

I have also heard some real bad C1 stories.

I think you will hear real bad stories about just about any credit grantor out there (with the exception of the CUs.)

Anyone who doesn't stay "under the radar" is at risk of finding themselves feeling as if they have been treated unfairly. And those who do stay under the radar find themselves worrying that they might draw attention to themselves.

I think you have to decide who is the least intimidating of all the available evils.

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 21:54:29 GMT

greyhound2007 wrote:
So if you have GEMB accounts they score you different? Tks Vicki

I believe they just dont help as much as a major company. Especially with the smalls CL's they give the customers.

Re: Time to move on up.

Anonymous — Mon, 12 Nov 2007 21:58:48 GMT

We have a GEMB/Sams club cc with a limit of 10,000.00 is that a small CL? We have a fifth wheel note with GEMB it was orginally $45,000.00 we will have a two year pay off on it. I thought when they raised our sams club CL it was pretty decent ammount. So you think if we had a major cc instead of sams club our score would be higher? Im just curious (trying to learn things) we are not looking for credit of any type. Tks Vicki

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 22:04:11 GMT

Ha I would call those good limits. I was talking about things like Paypal Buyer credit when they start you off with a 300 limit even if you have perfect credit.

Re: Time to move on up.

illcrew3 — Mon, 12 Nov 2007 22:05:32 GMT

Creditaddict wrote:
no bank is perfect... but overall unless you get a fr, amex is spotless if you ask me
and people that have reported c1 issues i think are with rebuilder cards... prime cards like there signature with no pre set spending limit and fixed 8.9 apr, can't really beat that.
www.citibank.com is a huge prime lender with tons of different cards also.

pick a couple!

I may give citibank a shot and if I'm feeling looney I might go for amex too.

Re: Time to move on up.

Creditaddict — Mon, 12 Nov 2007 22:05:39 GMT

those are great limits... but I think you would see your score go a lot higher if you added a credit card.

you like sams, so what about www.Discovercard.com