@Anonymous wrote:
@improvingmycredit wrote:
@Anonymous wrote:but i'm afraid my scores arn't that high yet so...i'll stay gardening for a good while longer i guess....i've even thought about getting an installment loan to pay them off but i just don't know.......i'll keep paying the interest for right now, but come febuary when i usually get back about 10k from taxes it WLL be paid!!!
NICE! 10K! that's huge! Well, you might want to try a CU. I bet you'd do better then the finance charges from the jewelry card.
yeah, aww the benefits of being poor and married with kids! LOL! but i do love my total rewards visa! I'm planning a trip to vegas next year and this card just made sense to get...i had to recon to get it but commenity bank is easy to deal with....i just told the lady i was plannin a vegas trip and BAM! she approved me...no joke that easy. it earns freeplay now too! plus 10,000 points after you spend 750 in the first 90 days!...thats $1,000 free play!
!!!!! I've been looking at that card for a while! It's a good looking card too! I love Vegas! Well... when you go... I wish you the BEST of LUCK! If you want to share a bit of your profile, I'm sure we can alll come up with a solution to getting rid of the extra finance charges on the ring. BTW.. I love going to Harrah's Casinos. I'm in East TN and there is only one near here. LOL.. Damn!
Starting Score: 642
@improvingmycredit wrote:
@Anonymous wrote:
@improvingmycredit wrote:
@Anonymous wrote:but i'm afraid my scores arn't that high yet so...i'll stay gardening for a good while longer i guess....i've even thought about getting an installment loan to pay them off but i just don't know.......i'll keep paying the interest for right now, but come febuary when i usually get back about 10k from taxes it WLL be paid!!!
NICE! 10K! that's huge! Well, you might want to try a CU. I bet you'd do better then the finance charges from the jewelry card.
yeah, aww the benefits of being poor and married with kids! LOL! but i do love my total rewards visa! I'm planning a trip to vegas next year and this card just made sense to get...i had to recon to get it but commenity bank is easy to deal with....i just told the lady i was plannin a vegas trip and BAM! she approved me...no joke that easy. it earns freeplay now too! plus 10,000 points after you spend 750 in the first 90 days!...thats $1,000 free play!
!!!!! I've been looking at that card for a while! It's a good looking card too! I love Vegas! Well... when you go... I wish you the BEST of LUCK! If you want to share a bit of your profile, I'm sure we can alll come up with a solution to getting rid of the extra finance charges on the ring. BTW.. I love going to Harrah's Casinos. I'm in East TN and there is only one near here. LOL.. Damn!
Harrah's is the best! thanks for the luck! OH AND THIS IS A GREAT LOOKING CARD(ITS HEAVIER AND THICKER THAN MOST TOO....HAS ORANGE LETTERING AND SIDES) CALL'EM UP AND GETCHA ONE!LOL 
LOL!!! Don't tempt me! I really want it!!!! I have to stay in the garden for a few more months. I'm not really worried about AA from Barclays but it doesn't hurt to stay in the garden for a few more months and let the recent HPs age a little. 
On another note... do you bank with a CU? They are more likely to get you that installment loan you want to pay off the card. Also, the interest rates on the CCs at CUs are a lot lower. I got my CU VISA with a 620 FICO. MIght want to check into it. I think if you don't have a banking relationship with Chase, I'd hold off on apping for the Slate or Discover. How old is the 60 day late with the car loan?
@improvingmycredit wrote:LOL!!! Don't tempt me! I really want it!!!! I have to stay in the garden for a few more months. I'm not really worried about AA from Barclays but it doesn't hurt to stay in the garden for a few more months and let the recent HPs age a little.
On another note... do you bank with a CU? They are more likely to get you that installment loan you want to pay off the card. Also, the interest rates on the CCs at CUs are a lot lower. I got my CU VISA with a 620 FICO. MIght want to check into it. I think if you don't have a banking relationship with Chase, I'd hold off on apping for the Slate or Discover. How old is the 60 day late with the car loan?
!!LOL!! yeah im gardening too! my car is financed through Guardian credit union(alabama) and the late was just over a year ago. I am thinking of opening an acct with MAX fed CU too though! I already tried at a signiture loan through them,for this reason but was denied...
but i will just wait till Feb. and reapply of try through MAX cause by then my car will nearly be paid off, and whats leaft will be paid with tax money!