topic Re: which secured CC do you like better? in General Credit Topics

which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 00:48:03 GMT

BOA or Orchard bank and why? Trying to decide between the two still ty

Re: which secured CC do you like better?

Anonymous — Mon, 02 Jul 2007 00:50:04 GMT

Re: which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 02:37:12 GMT

Ty for your input

Re: which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 02:40:23 GMT

i like the 99/500 boa, myself, since boa is prime and orchard is not. it appears that boa is better with cli's once the card moves to unsecured status. i applied for a regular boa card and they sent me a letter stating that they would give me a 99/500, so i shipped out my 99 dollar check and waiting for the card. What score did you have to have to get this? Was this a secured through BOA? My score is 507 not sure I could get the $99/500 thing. TY

Re: which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 02:42:10 GMT

Also what is the card called exactly. I cant find anything on their site about this rate. TY

Re: which secured CC do you like better?

Anonymous — Mon, 02 Jul 2007 02:45:11 GMT

you have to apply for any regular card on their site, if they deny you they may give you the offer right there online, or they may send you a letter in the mail offering the 99/500. they mailed the offer to me.

Re: which secured CC do you like better?

Tuscani — Mon, 02 Jul 2007 14:41:27 GMT

99/500 rules all.

Re: which secured CC do you like better?

Anonymous — Mon, 02 Jul 2007 14:47:07 GMT

Even if you don't get invited for the $99/$500, I still think Bank of America's secured is better. No processing fee and a lower annual fee.

Re: which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 15:22:05 GMT

Ty well i was denied and nothing came up right away about the 99/500 so we will see if I get anything in the mail. TY again

Re: which secured CC do you like better?

Anonymous — Mon, 02 Jul 2007 15:26:39 GMT

i think it took a couple of weeks for my 99/500 offer to show up in the mail.

Re: which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 15:29:25 GMT

TYVM! now i have another question. With rebuilding credit and improving your credit score, when chargeing something is it better to buy something that is a big amount of money then say compared to $25 of gas and then pay it off? What is the best way to go please? TY

Re: which secured CC do you like better?

Anonymous — Mon, 02 Jul 2007 15:34:15 GMT

it is better to buy something that is within 1-9% of your credit limit....so, if your limit is $1000, then you should make a purchase of $10-$90 dollars and then pay it off....i think there are some threads on here that tell you how to manipulate your payments so that your balance posts but you avoid finance charges...

Re: which secured CC do you like better?

serenity72 — Mon, 02 Jul 2007 15:43:18 GMT

ohhhhhhh ty so much!