So I go a "pre-approval" letter from Frontgate last night. I'm re-building,and I realize this is not really that big a deal to most, but it's my first pre-approval letter that isn't Fingerhut so I've got to be moving in the right direction??
So I go a "pre-approval" letter from Frontgate last night. I'm re-building,and I realize this is not really that big a deal to most, but it's my first pre-approval letter that isn't Fingerhut so I've got to be moving in the right direction??I'm not really sure if I should accept it? Frankly, I could use the additional credit to pad my utilization but I already have several Comenity cards, a few that I obtained in the last month with $2k limits, including a Sportsman's Guide Visa. I'm surprised they are offering me another card. I've even tried to get the SCT on this with no luck.I do really like this store, and I like the financing options they offer. I would not get a ton of use out of it but it would come in handy when buying a larger piece of furniture. They do run 20% off sales, as I've noted since I have been on their email list. I figure this card would have a decent starting limit and probably grows fast. I hate that they don't tell you how much you are pre-approved for. I really don't even want to consider it for less than $2k. I'm finally done with the toy limits I think - yay!What kind of starting limit does Frontgate offer, especially for someone re-building and scores in the mid to lower 600's? Does it grow along the lines of Overstock, J Crew, etc?I am not planning to apply for anything for at least a year, possibly two years on credit cards. I may try for a mortgage next year or so and then CC's the year after that. I need positive aging on the accounts I do have, plus all my baddies won't fall off until next April - June. Also, all of my current accts are new, other than my student loan, so I am not too worried about AAoA.
Thanks for sharing.
My scores were similar to yours, with an old BK reporting, and one baddie... approved for $2500.via SCT