topic Re: The Good, The Bad, & The Ugly Credit Card in Credit Cards

The Good, The Bad, & The Ugly Credit Card

Anonymous — Sat, 28 Jan 2012 05:04:04 GMT

So, today was a funny day in the world of credit. I opened my mailbox and found 5 letters.

(Letter 1) The Good: My Business Platinum Amex arrived. I was so excited that I finally had the card I've always wanted. The card had so many goodies, it took me 45 minutes to activate it. They only problem is that it wasn't backdated to 1991. The Amex rep is already sending out a replacement.

(Letter 2) The Bad: In the same batch of mail was a pre-approval application from a sub-sub-sub prime called Premiere Mastercard. They offered me a $700 CL.

(Letter 3) The Ugly: My upgraded CapitalOne card was in the mail as well. Now, they upgraded me from a rebuilder that started with a $500 CL in 2007, to the VentureOne card. The limit has been $4,500 for several years now. I was excited to receive the Cap cards, but that only lasted 45 seconds. When I opened the envelope, I was very surprised to see this shiny, mustard yellow, reflective card. It's by far the ugliest card I have and it's hitting the sock drawer for sure. I would cancel the card but I think I want to hold on to it for sentimental reasons. I'd rather carry the rebuilder card.

(Letter 4) I bank with Bank of America and was shopping for a business loan. They sent over my Transunion FICO score and I was floored when I read that my TU FICO score is 822! WHOA!!! 822 out of 850! I'm still shocked. I never imagined having a score that high.

(Letter 5) a letter requesting a donation.

What a day.

Re: The Good, The Bad, & The Ugly Credit Card

bichonmom — Sat, 28 Jan 2012 05:07:29 GMT

Well, it all sounds pretty good to me. I want your score!!! Be sure to update your sig with your amazing new score!

Re: The Good, The Bad, & The Ugly Credit Card

fico777 — Sat, 28 Jan 2012 05:25:37 GMT

Letter number 4 is the best! Fantastic score!

Re: The Good, The Bad, & The Ugly Credit Card

Anonymous — Sat, 28 Jan 2012 05:28:27 GMT

What makes this all wonderful is that my score was around 550 last year this time and all i had was two Capital One rebuilders and a Macys card. I leard so much from his forum.

Re: The Good, The Bad, & The Ugly Credit Card

bichonmom — Sat, 28 Jan 2012 05:44:04 GMT

@Anonymous wrote:
What makes this all wonderful is that my score was around 550 last year this time and all i had was two Capital One rebuilders and a Macys card. I leard so much from his forum.

Wow! That's incredible. Would you mind sharing what you did? I started w/2 Cap One rebuilders in March and have done everything I can think of an my EQ FICO just doesn't want to budge.

Re: The Good, The Bad, & The Ugly Credit Card

bichonmom — Sat, 28 Jan 2012 05:57:10 GMT

I think you can get a personalized image on your new CC, so you could get one that looks nice. Haven't seen their mustard-yellow, but doesn't sound very attractive.

Re: The Good, The Bad, & The Ugly Credit Card

visorboy1974 — Sat, 28 Jan 2012 06:35:41 GMT

@bichonmom wrote:
I think you can get a personalized image on your new CC, so you could get one that looks nice. Haven't seen their mustard-yellow, but doesn't sound very attractive.

Yes you can...and with the gaudiness of this card, I suggest you do!

Re: The Good, The Bad, & The Ugly Credit Card

Anonymous — Sat, 28 Jan 2012 06:42:08 GMT

@visorboy1974 wrote:
@bichonmom wrote:
I think you can get a personalized image on your new CC, so you could get one that looks nice. Haven't seen their mustard-yellow, but doesn't sound very attractive.

Yes you can...and with the gaudiness of this card, I suggest you do!

I've never owned a gaudy card like this. The worst! I really didnt plan on using it.

Re: The Good, The Bad, & The Ugly Credit Card

JusdoNit — Sat, 28 Jan 2012 06:47:22 GMT

800 club.

Re: The Good, The Bad, & The Ugly Credit Card

Anonymous — Sat, 28 Jan 2012 12:53:57 GMT

@Anonymous wrote:
What makes this all wonderful is that my score was around 550 last year this time and all i had was two Capital One rebuilders and a Macys card. I leard so much from his forum.

Get the heck out of here!! That is awesome!

Re: The Good, The Bad, & The Ugly Credit Card

pizzadude — Sat, 28 Jan 2012 13:13:35 GMT

Wow !!! Congrats on the überscore !!! About how long is your AAoA ?

Re: The Good, The Bad, & The Ugly Credit Card

scottwagnon — Sat, 28 Jan 2012 19:01:48 GMT

sigh. i have had my eye on the VentureOne card for quite some time. i was denied it twice last year. i might just accept the venture card instead, as it is much easier to get than the ventureone card.

Re: The Good, The Bad, & The Ugly Credit Card

Anonymous — Sat, 28 Jan 2012 20:54:37 GMT

I do my own pictures for Capital One. My latest one I got from them is covered with my favorite fruit.

Re: The Good, The Bad, & The Ugly Credit Card

LS2982 — Sat, 28 Jan 2012 23:29:09 GMT

Congrats Bronx!

Awesome score!

Re: The Good, The Bad, & The Ugly Credit Card

2NE1 — Sun, 29 Jan 2012 02:28:36 GMT

@Anonymous wrote:
I do my own pictures for Capital One. My latest one I got from them is covered with my favorite fruit.

LOL!

Re: The Good, The Bad, & The Ugly Credit Card

Anonymous — Sun, 29 Jan 2012 21:21:08 GMT

Maybe mustard yellow is now the new black. If the AmEx Centurion card was yellow instead of black then yellow wouldn't seem like such an unsightly color.

Re: The Good, The Bad, & The Ugly Credit Card

CS800 — Sun, 29 Jan 2012 21:24:02 GMT

822??

You can now hang with the FICO lords

Re: The Good, The Bad, & The Ugly Credit Card

CS800 — Sun, 29 Jan 2012 21:24:42 GMT

@Anonymous wrote:
What makes this all wonderful is that my score was around 550 last year this time and all i had was two Capital One rebuilders and a Macys card. I leard so much from his forum.

550 to 822, what kind of cleaning up have you been doing???

Re: The Good, The Bad, & The Ugly Credit Card

CS800 — Sun, 29 Jan 2012 21:25:33 GMT

@Anonymous wrote:
I do my own pictures for Capital One. My latest one I got from them is covered with my favorite fruit.

What fruit?

Re: The Good, The Bad, & The Ugly Credit Card

JusdoNit — Sun, 29 Jan 2012 22:52:35 GMT

@CS800 wrote:
@Anonymous wrote:
What makes this all wonderful is that my score was around 550 last year this time and all i had was two Capital One rebuilders and a Macys card. I leard so much from his forum.
550 to 822, what kind of cleaning up have you been doing???

Yes, we all would love to know. Please share