topic Re: I just need 10k! in Credit Cards

I just need 10k!

Creditaddict — Tue, 05 Oct 2010 17:28:11 GMT

Is anyone as easy to get as WFFNB? I would get the World card but at 24.99 that does not better my situation with Macy's.

Tried for consolidation loan with USA and they said escalating debt and would not approve.

I guess worse case on Nov 1 they should become my #1 spot on debt snowball however now that they seem to be watching my payments and CLD I would just like to send 1 check and wipe out the entire balance and just maybe avoid balance chasing that way.

Re: I just need 10k!

BrandonSS — Tue, 05 Oct 2010 17:30:34 GMT

Are the scores in your signature accurate? 631 being the highest?? If so, how are you getting these insanely high credit limits? I havent apped anywhere but CapOne and resulted in a 300 CL. I'm confused.

Re: I just need 10k!

Creditaddict — Tue, 05 Oct 2010 17:35:11 GMT

@BrandonSS wrote:
Are the scores in your signature accurate? 631 being the highest?? If so, how are you getting these insanely high credit limits? I havent apped anywhere but CapOne and resulted in a 300 CL. I'm confused.

The Macy's is a joint account, with me being secondary.

Re: I just need 10k!

Anonymous — Tue, 05 Oct 2010 17:46:26 GMT

Credit lines were much easier to get 5 years ago! I had a 9400 BofA with a 640-680 score. Now things have really changed.

The interest rate got to be too much while my husband was out of work and in April or May of this year I closed the account while negotiating a $180 a month at 5.75% 5 year pay back plan.

Hang in there and keep scaling back spending wherever you can. Insanely high CC balances can't last forever, I hope!

Edit: Also, I received a $0 annual fee offer from Capital One in the mail that offered 0% interest until July next year. I applied thinking it would be $300, it was $3000!!! I transferred balances from two cards that had 20-25% interest onto there and I plan to pay it off soon.

Re: I just need 10k!

MarineVietVet — Tue, 05 Oct 2010 17:52:43 GMT

@Anonymous wrote:
Credit lines were much easier to get 5 years ago! I had a 9400 BofA with a 640-680 score. Now things have really changed.

The interest rate got to be too much while my husband was out of work and in April or May of this year I closed the account while negotiating a $180 a month at 5.75% 5 year pay back plan.

Hang in there and keep scaling back spending wherever you can. Insanely high CC balances can't last forever, I hope!

Edit: Also, I received a $0 annual fee offer from Capital One in the mail that offered 0% interest until July next year. I applied thinking it would be $300, it was $3000!!! I transferred balances from two cards that had 20-25% interest onto there and I plan to pay it off soon.

Good for you. Just make sure you aren't tempted by those paid off cards. I've heard those voices myself. Use them from time to time to keep them active but for the most part keep them out of sight!

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

Re: I just need 10k!

GIXXER — Tue, 05 Oct 2010 17:52:45 GMT

Do you have any baddies on your credit reports..

Re: I just need 10k!

Creditaddict — Tue, 05 Oct 2010 17:55:56 GMT

@GIXXER wrote:
Do you have any baddies on your credit reports..

ME?

I have Ch 7 that falls off next year

I have Ch 13 that falls of in 2013 I belive

I have a charge-off Capital One on EX and EQ

Re: I just need 10k!

Anonymous — Tue, 05 Oct 2010 18:01:45 GMT

I thought no more app'ing for you?

Re: I just need 10k!

Creditaddict — Tue, 05 Oct 2010 18:03:21 GMT

@Anonymous wrote:
I thought no more app'ing for you?

I'm not

Re: I just need 10k!

GIXXER — Tue, 05 Oct 2010 18:03:23 GMT

With the thing you have on your report you still doing good with the credit that you currently have good work.....

Re: I just need 10k!

Creditaddict — Tue, 05 Oct 2010 18:06:11 GMT

@GIXXER wrote:
With the thing you have on your report you still doing good with the credit that you currently have good work.....

well thanks but with all the debt it's killing my scores... I should be much much higher in my opinion... and if Macy's would leave my CL alone as I start to make $1200-1500 payments my scores would probably start to come around very nicely.

Do you think I should pay off the $1900 balance on the store card first before tackling the Amex side or pay the amex first since the store side is not CLD.

Re: I just need 10k!

Creditaddict — Tue, 05 Oct 2010 18:10:49 GMT

Never mind, answered that one... my furniture line and store card report charge card, they are not in debt ratio. The Amex does not even report to TU, but on EQ it is very much maxed out... so I will focus all my payments on that!

Re: I just need 10k!

GIXXER — Tue, 05 Oct 2010 18:21:35 GMT

I would pay amex off first since its a major charge card and showing a 0 balance on amex would be a good thing..my experience with amex i had a 2,000 amex blue and they close my account..I don't like them and will never deal with them again and my balance was 0 never charge no more than $80.00 dollar...

Re: I just need 10k!

Creditaddict — Tue, 05 Oct 2010 18:22:55 GMT

@GIXXER wrote:
I would pay amex off first since its a major charge card and showing a 0 balance on amex would be a good thing..my experience with amex i had a 2,000 amex blue and they close my account..I don't like them and will never deal with them again and my balance was 0 never charge no more than $80.00 dollar...

sorry I meant Macy's Amex... however I am paying off 3 small balances on real Amex cards at the same time as the Macy payments

Re: I just need 10k!

GIXXER — Tue, 05 Oct 2010 18:34:24 GMT

I wolud payoff amex first and then the store side that way they will probably leave your cl a lone with amex....