No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
When I had them before, they gave me a $250 CL with $9 available after fees. Then there were all kinds of maintenance and account fees each month. They charged me to pay online or over the phone and payments took forever to process. Maybe they've reformed more than I thought, because they had to, but I wouldn't want to deal with them again. I'd rather get a secured card.
At least in the payment aspect they've changed. No longer and additional fee for making an online payment (I never did the phone option).
Maybe they figured out it is cheaper to process an online payment than a paper check? rofl
@Anonymous wrote:
@Anonymous wrote:
When I had them before, they gave me a $250 CL with $9 available after fees. Then there were all kinds of maintenance and account fees each month. They charged me to pay online or over the phone and payments took forever to process. Maybe they've reformed more than I thought, because they had to, but I wouldn't want to deal with them again. I'd rather get a secured card.At least in the payment aspect they've changed. No longer and additional fee for making an online payment (I never did the phone option).
Maybe they figured out it is cheaper to process an online payment than a paper check? rofl
I dont think they are allowed to charge a fee anymore for payments on line due to the law changing
@Anonymous wrote:
It wasn't cheap either. It was something between $7.95 and $9.95!
I remember! I was strategic with my payment amount to minimize the impact of the fee (and for a long time I added that into my payment lol until I realized it was charged separately)
@john398 wrote:
@Anonymous wrote:
@Anonymous wrote:
When I had them before, they gave me a $250 CL with $9 available after fees. Then there were all kinds of maintenance and account fees each month. They charged me to pay online or over the phone and payments took forever to process. Maybe they've reformed more than I thought, because they had to, but I wouldn't want to deal with them again. I'd rather get a secured card.At least in the payment aspect they've changed. No longer and additional fee for making an online payment (I never did the phone option).
Maybe they figured out it is cheaper to process an online payment than a paper check? rofl
I dont think they are allowed to charge a fee anymore for payments on line due to the law changing
I figured as much but wasn't sure
@Anonymous wrote:
I going to say that, but I skimmed the law and didn't see anything there.
I guess your right, I just skimmed it too, but I assumed they did, thats what I get
@john398 wrote:I dont think they are allowed to charge a fee anymore for payments on line due to the law changing
You are correct about this. The Credit Card Act 2009:
Prohibits issuers from charging a fee to pay a credit card debt, whether by mail, telephone, or electronic transfer, except for live services to make expedited payments.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
I have this for card about ten years.you pay them to raise you credit limit/ what a lousy credit card shark///
Credit One was the first CC that I got when I was coming out of bk. They gave me a 500 limit. Their interest rate is horrible but since I PIF that didn't present a problem for me. I used my own bank to send them payments and they never held it back for an extended period of time. That was in June of last year. They never gave me a CLI but they offered to reduce my interest rate for 3 or 6 months (can't remember). Since June I have built up my overall CL to 80 times the amount that they gave me.
They are definitely a bottom feeder of the sub-primes but since I had bk'd Cap1 I couldn't get them back at the time. However if I had my choice I would take Cap1 over Credit1 just due to how bad their reputation is. I just canceled them a few weeks ago because I don't need the card nor the utilization from them....nor the monthly maintenance fee that they would start charging after my first year. So if you got them then congrats and just use them to get your credit building on warp speed and then drop them to avoid the fees.
@LS2982 wrote:
@Anonymous wrote:Approved me when no on else would + unsecured. $300 limit. After a couple of months gave me a random $100 cli. I've had them for about 4 months now, I always PIF multiple times a month. They do have a high AF. Interest rate doesn't matter if you're treating it like cash. They're alright, nothing special. I'm weary of ever paying late with them cause of the stories I've read(I've had zero issues) so just make sure to pay early, pay often an print out your payment confirmation page.
I applied today and was approved for $300 this will be the last (3rd) CC ill need for at least 1 full year. I can treat it as cash so no interest builds and it reports to all 3 bureaus
Im happy about that You have to take whats available they did pull EX.
Edited to say I just noticed this was from 2011. I thought you applied for credit one today and was very confused on why..lol