@youngandcreditwrthy I am aware of how things used to be with my 40 years of credit history. I always paid the balance in full each month. There have a couple of times with bill pay I made a typo and paid interest. If you want better rates on credit cards look at a credit union. The interest rates on credit union credit cards are a around quarter to a third less than the mega bank.
Wells Fargo I was a customer of theirs once I was on mother's checking account as as a signer just in case.As of 2008 I am no longer a customer of Wells Fargo. I can do better elsewhere than a mega bank.
FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
