No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
How do you get offers from chase, I went to there pre-qual website and it said we opted out of getting offers. Not sure how that happened, how do you change that so you get offers?
@Anonymous wrote:How do you get offers from chase, I went to there pre-qual website and it said we opted out of getting offers. Not sure how that happened, how do you change that so you get offers?
that is chase' way of saying you don't have an offer.
You will not get any offers with the BK
I was just curious, are the bk friendly ? I thought maybe I had opted out at some point someplace is why I asked.
@Anonymous wrote:I was just curious, are the bk friendly ? I thought maybe I had opted out at some point someplace is why I asked.
Chase is not BK friendly typically at all.
I am most certaintly not a credit expert like some here. I would suggest you immediately try to get secured credit card and start working on repairing your credit.
@Anonymous wrote:I was just curious, are the bk friendly ? I thought maybe I had opted out at some point someplace is why I asked.
@Anonymous is not BK friendly as @ CA said.
Everyone,
I was considering applying for the Citi card that has the 21 months of no APR on purchases etc etc. I was thinking about a big purchase and wanted that 0%. I already have 4 inq Experian, 2 on Trans, 2 on Equifax. I have a Gold AMEX, Chase Freedom, Cap Venture & unsecured BOA. BOA will most likely convert to unsecured in Oct after discussing with credit analyst. She said it is still to soon to convert to unsecured. It will be a soft pull.
I was already approved for the citi simplicity on their pre-qualified website. How negative will another hard inquiry affect my chances of getting a car loan in 3-5 months and a mortgage end of next year?
Sometimes I think the inquiry thing is overblown & exaggerated. Perhaps not if your credit is poor. I do have excellent credit. Who cares about the inquiries?
What do you all think?
Cheers
@Anonymous wrote:Everyone,
I was considering applying for the Citi card that has the 21 months of no APR on purchases etc etc. I was thinking about a big purchase and wanted that 0%. I already have 4 inq Experian, 2 on Trans, 2 on Equifax. I have a Gold AMEX, Chase Freedom, Cap Venture & unsecured BOA. BOA will most likely convert to unsecured in Oct after discussing with credit analyst. She said it is still to soon to convert to unsecured. It will be a soft pull.
I was already approved for the citi simplicity on their pre-qualified website. How negative will another hard inquiry affect my chances of getting a car loan in 3-5 months and a mortgage end of next year?
Sometimes I think the inquiry thing is overblown & exaggerated. Perhaps not if your credit is poor. I do have excellent credit. Who cares about the inquiries?
What do you all think?
Cheers
SInce you got the AMEX PRG card, maybe you should try for the AMEX Everday credit Card. It has a 15 month 0% on purchases and BT. You also can get 1 charge card and 1 credit card with AMEX on the same HP. Everyday card also has a bonus so that's cool and you could then park your MR points from the Gold to that, if you didn't want to pay the AF after the first year on the Gold card. Everyday has no AF.