Thanks, myjourney. I was waiting for you to chime in! Do you know anything about GEs requirements? You can imagine my frustration, since I only want one other card, TJX! Two cc are enough, right?
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555Thanks, FinStar. I am definitely interested in the MC. I shop at all three stores quite often.
@fixmycred14 wrote:Thanks, myjourney. I was waiting for you to chime in! Do you know anything about GEs requirements? You can imagine my frustration, since I only want one other card, TJX! Two cc are enough, right?
Awwh shucks 
I don't want you to get frustrated at all.... it happens early in the process
I love GE cards and your scores are close
The best range for approval IMO is 620-650 depending which card you app
2 CC's are more than enough to help your scores climb and build positive history
Questions?
what cards do you have now...
current scores
baddies
Forgive me if I missed those answers
Thanks, Countingpennies. See...the thing is I never shop at Walmart. I don't want to get a card just to get a card. You know I made that mistake with the Limited and it cost me a great deal. I really want the TJX card because I shop there a few x per week. I have spent so much on home furnishings, clothes, etc. Cash, cash, cash because I've only had a cc for a few weeks. I also like the fact that I can use it in more than one store and the MC doubles as a reg cc. Otherwise, I can't think of any other store cards that would make sense for me. Maybe, Target???
Good thinking, getting a store card because you shop there a lot is the main reason to get them and the great thing about TJMaxx is that if approved for store version they tend to upgrade to MC quite fast.
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200Myjourney -- No problem at all.
Scores are current via FICO today. I purchased them. Credit info also current. Some of the baddies are newly paid and still reporting a balance.
1 cc - NFCU nrewards $7K balance $97
Comenity CO - the Limited paid via PRA -- sent GWs (settlement $304 on $434)
Midland - PIF sent GW $151
Calvalry (HSBC) - no response to PFD $642
NCO deleted last week $0
IC Systems $0 deleted
Parking Tickets $0 deleted
Verizon - direct dispute in process reporting $311
Alliance One $411 (only on EQ) reported 2008 - utility bill
Cashcall CO 2008 $0 no CA reporting (EQ only)
Santander $0 repo - CA Dynamic Recovery reported 2009
lates on US Dept ED from 2008-2009
Also, PRA (Comenity/the Limited) reported the baddie after I sent a PFD. I offered $217 they countered with $304 then reported maybe 2 weeks ago. I paid $304 on September 13.
Yes, I can afford it. I considered Cap 1 but I'm apprehensive because of the HSBC CO (Cavalry). I also had a Cap 1 cc about 8-9 years ago. Not on my reports...
BoA -- ?