topic Re: Should I get another card? in Credit Cards

Should I get another card?

Anonymous — Fri, 06 Sep 2013 02:59:47 GMT

I've had a Cap1 secured card for going on 5 months and I just had a collection fall off of my reports, which shot up my score to the 650's. I still have some late payments and a charge off all from going on four years ago. I'm not preapproved for any other cap1 cards, but I am preapproved for a Credit One Visa. I'm also an AU on two other accounts (both pretty new). I really would like to get the Barclaycard Rewards Mastercard (for average credit), but I'm not sure if I should try. Or should I get the Credit One?

Re: Should I get another card?

Creditaddict — Fri, 06 Sep 2013 05:22:51 GMT

I would apply for the Barclay.

they are great recon also.

check discover pre-qual also.

3rd id appky for quicksilver one and email ceo if you need to or try thst firdt with unsecuring current card.

Re: Should I get another card?

Anonymous — Fri, 06 Sep 2013 06:39:03 GMT

Edited

Re: Should I get another card?

Anonymous — Fri, 06 Sep 2013 06:33:51 GMT

My initial response from just reading the title was "no, go to bed."

But, in your case I think you need to expand your credit file. Once you hit the 6 month mark I would app for a few cards.

Re: Should I get another card?

djc1puno — Fri, 06 Sep 2013 06:38:05 GMT

Id wait til you hit the 6th month mark and let ur scores update then hit up barclay, disco then capone.

Re: Should I get another card?

Creditaddict — Fri, 06 Sep 2013 07:09:44 GMT

++1

Re: Should I get another card?

Anonymous — Fri, 06 Sep 2013 12:56:41 GMT

I just apply for a barclay average card and was approve for a $1300 cl my highest limit i thought if i was approve it will be just for $500 i was shock because im still in early stages of rebuilding. They pulled tu my score from the cb was 675 and my fico tu score was anywhere from 595-628, tu takes forever to update stuff seem like they two months behind with updating stuff. Report have one collection from midland and about 8 lates in 2012 aaoa 2.10 years

Re: Should I get another card?

Anonymous — Sun, 08 Sep 2013 20:55:18 GMT

Well, I checked my score on CK today and it jumped 14 points, so I decided to go ahead and apply. I was approved for a $500 CL with no annual fee!

I'm wondering wondering what I should do now though w/ Cap1. Do I call them and try to change the card, close the card and apply for an unsecured, or apply first then close? I wouldn't mind getting my $50 back and getting a higher limit than $200.

Re: Should I get another card?

BearsAndTurtlesRtheBest — Sun, 08 Sep 2013 20:57:29 GMT

Congrats!! Your doing great!

Re: Should I get another card?

09Lexie — Sun, 08 Sep 2013 21:04:21 GMT

Congrats on your approval. Cap 1 will not do a PC for a secured to unsecured. There is no guarantee that they will approve you for an unsecured card just because Barclays did...why not let your accts age 6 ms and then rethink apping.

Re: Should I get another card?

myjourney — Sun, 08 Sep 2013 21:19:19 GMT

@Anonymous wrote:
Well, I checked my score on CK today and it jumped 14 points, so I decided to go ahead and apply. I was approved for a $500 CL with no annual fee!

I'm wondering wondering what I should do now though w/ Cap1. Do I call them and try to change the card, close the card and apply for an unsecured, or apply first then close? I wouldn't mind getting my $50 back and getting a higher limit than $200.

Congrats

Re: Should I get another card?

maiden_girl — Mon, 09 Sep 2013 01:19:31 GMT

Congrats!

Stir clear of CreditOne. If you can avoid them, do it.

Re: Should I get another card?

creditnocash — Mon, 09 Sep 2013 01:30:43 GMT

@maiden_girl wrote:
Congrats!

Stir clear of CreditOne. If you can avoid them, do it.

x2 for both statements.

Re: Should I get another card?

FocusedAndDetermined — Mon, 09 Sep 2013 01:38:22 GMT

Congrats on your approval!