Ok how is it possible that a CCC could cash your check and a week and a half later when you call to ask when to expext the card they tell you you're declined. What kind of BS is that? They have my money already and yet they won't extend me credit on it. They gave me a bs excuse that I have credit obligations that are paid or unpaid I have paid co's. So I asked for a recon and the nasty woman on the other line told me we don't do those and you will get your check in 3-5 days and hung up on me! 
Anybody know of any secured cards I would get approved for with these scores TU:520 EX:540 EQ:544 No public records or new collections and some recent lates and I only have a target store card No major CC's My Fico message is always "not enough revolving debt experience" Thanks in advance for any advice.
Anybody know of any secured cards I would get approved for with these scores TU:520 EX:540 EQ:544 No public records or new collections and some recent lates and I only have a target store card No major CC's My Fico message is always "not enough revolving debt experience" Thanks in advance for any advice.
sonogirl wrote:Ok how is it possible that a CCC could cash your check and a week and a half later when you call to ask when to expext the card they tell you you're declined. What kind of BS is that? They have my money already and yet they won't extend me credit on it. They gave me a bs excuse that I have credit obligations that are paid or unpaid I have paid co's. So I asked for a recon and the nasty woman on the other line told me we don't do those and you will get your check in 3-5 days and hung up on me!
Have you looked into Orchard fully secured? I got one with zero revolving accounts, $35 AF and 14.9% APR.
They will not grow with you or graduate you like some of the prime banks' secured cards will, but they serve their purpose well of allowing you to get your foot in the door and establish some revolving history.
Thanks for the advice everyone. There is a Health Care of New Jersey Federal CU at my job anyone ever heard of them? Maybe I'll try them. I just joined NFCU in hopes to app for something if I can get my scores up some my worst baddie comes of in 6/08 anyone know the lowest score NFCU approves for and also what's the minimum Fico for hooters card and who do they pull? Not alot of negs on Equifax anyone know who pulls them? Sorry for all the questions
but I want to get approved with someone for score increase. Thanks
but I want to get approved with someone for score increase. ThanksThanks Concord 
wiil do.
wiil do.