topic Re: Credit Card Rebuilders in Rebuilding Your Credit

Credit Card Rebuilders

Thaitea007 — Sat, 28 Jul 2018 02:01:02 GMT

Looking to start some new credit card relationships. Anyone have some good advice on who else I should go with. Was thinking BOA and Citi since I read they both convert to unsecured quite often.

Re: Credit Card Rebuilders

Anonymous — Sat, 28 Jul 2018 07:14:01 GMT

@Thaitea007 wrote:
Looking to start some new credit card relationships. Anyone have some good advice on who else I should go with. Was thinking BOA and Citi since I read they both convert to unsecured quite often.

BOA and Citi are great lenders. I would also go for US Bank's secured card, but IMHO, you already have enough revolving accounts to build an optimal Fico score.

Re: Credit Card Rebuilders

Anonymous — Sat, 28 Jul 2018 12:03:42 GMT

I’d also look at Discover. I’m not sure if the secured card offers the rewards of the normal card, but Disco seems to graduate their secured cards after 7 months of responsible management, and many report that they get a CLI at that time along with their deposit refund. Check their preapproval page to see what you can get. A preapproval from them along with a solid APR (vs an APR range) is a very strong sign that if you app, you’ll get the card.

Re: Credit Card Rebuilders

Thaitea007 — Sat, 28 Jul 2018 12:16:36 GMT

Yea just got the Discover secure this month, the cap 1 and discover are the only cards just under my name. The gsfcu is a joint account and Amex is a Au account. I’m looking to move forward with only accounts in my report that are me only and not AU or joint accounts either.

Thanks for the advise though.

Re: Credit Card Rebuilders

Anonymous — Sat, 28 Jul 2018 12:34:21 GMT

Lol sorry - I didn’t look at your sig and see that you have Disco already. That’s what I get for posting after 3 hours sleep!

Re: Credit Card Rebuilders

Thaitea007 — Sat, 28 Jul 2018 13:12:37 GMT

No problem it happens.

I think I’m going to go with Boa and citi for now. And into the garden I go until Dec 2019.

Re: Credit Card Rebuilders

Anonymous — Sat, 28 Jul 2018 13:19:00 GMT

@Thaitea007 wrote:
No problem it happens.

I think I’m going to go with Boa and citi for now. And into the garden I go until Dec 2019.

Let us know whether you get approved, OP.

Re: Credit Card Rebuilders

Thaitea007 — Sat, 28 Jul 2018 13:25:15 GMT

There secure... so I hope I’m pretty good to go.

Re: Credit Card Rebuilders

Anonymous — Sat, 28 Jul 2018 13:27:13 GMT

@Thaitea007 wrote:
There secure... so I hope I’m pretty good to go.

Actually, I would not count on that. Citi is nortorious for being picky (especially for it's secured card), but you should fine with BOA.

Re: Credit Card Rebuilders

vV35Hszm — Sat, 28 Jul 2018 19:46:07 GMT

The new Uber Card has surprising benefits.

Re: Credit Card Rebuilders

Thaitea007 — Sat, 28 Jul 2018 19:53:27 GMT

Don't think my profile is at a high enough score to get this card just yet...But when I'm ready I do plan on getting this card.