topic Re: First Unsecured CC since rebuilding Jan 2013! in Rebuilding Your Credit

First Unsecured CC since rebuilding Jan 2013!

Anonymous — Fri, 22 Feb 2013 01:21:47 GMT

After my nice 20 point boost recently removing 2 collections, and working on my cap1 secured and first progress (both reporting), I tried the Credit One unsecured preapproval and was approved.

So I pulled the trigger...

$500 unsecured! Happy dancing in my living room!!!

No more cards necessary now, I'm just going to keep up the work.

I can't say it enough, but thank you everyone...I'm starting to have hope

Re: First Unsecured CC since rebuilding Jan 2013!

myjourney — Fri, 22 Feb 2013 01:29:08 GMT

Great job keep up the good work

Re: First Unsecured CC since rebuilding Jan 2013!

signguy17 — Fri, 22 Feb 2013 01:33:45 GMT

Good work. Had the same thing happen to me. I applied online for a secured CC from my CU and they called and gave me an unsecured CC with a $500 limit, no fees whatsoever and a 10.99% interest rate. I damn near passed out. At a 631 My Fico score I wasn't expecting that!!

Re: First Unsecured CC since rebuilding Jan 2013!

Anonymous — Fri, 22 Feb 2013 01:41:04 GMT

Thanks!

I know the fees are crummy and the interest starts accruing immediately, but this card will serve a purpose long enough to get me to a better place!

Re: First Unsecured CC since rebuilding Jan 2013!

signguy17 — Fri, 22 Feb 2013 01:45:12 GMT

do what I did...buy $50 in gas (about 8 gallons) on Monday and pay it off on Saturday morning! And another thing....try your local credit union. I applied for a secured card and they gave me an unsecured card at 10.99%. You never know unless you ask. And be armed with your My Fico score so you can show them what your score is beforehand so they don't have to make a hard pull on your CR. Good Luck!!

Re: First Unsecured CC since rebuilding Jan 2013!

Anonymous — Fri, 22 Feb 2013 01:50:04 GMT

Funny you mention that, because that's all I'm using these cards for is a small gas charge paid off fast, and utilization I learned here hehehe!

I don't currently belong to a CU, but it's on my list!

Re: First Unsecured CC since rebuilding Jan 2013!

myjourney — Fri, 22 Feb 2013 01:52:46 GMT

@signguy17 wrote:
do what I did...buy $50 in gas (about 8 gallons) on Monday and pay it off on Saturday morning! And another thing....try your local credit union. I applied for a secured card and they gave me an unsecured card at 10.99%. You never know unless you ask. And be armed with your My Fico score so you can show them what your score is beforehand so they don't have to make a hard pull on your CR. Good Luck!!

Very important you don't anymore HP's

Re: First Unsecured CC since rebuilding Jan 2013!

Shogun — Fri, 22 Feb 2013 02:00:50 GMT

Congrats!