Guys, when did carts tricks started working for you after establishing credit?

[orestrus]

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

[Anonymous]

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

It is best that they don't work.

No, really. Unless you actually plan to shop at ANY of these places.

[orestrus]

No, I just want to see how creditors view my files so far in terms of pre approvals / limits. 

[Anonymous]

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

The shopping card thing may not be the best route.  Have you looked into secure cards?  Those are better options IMO

[Anonymous]

---

@Anonymous wrote:

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

The shopping card thing may not be the best route.  Have you looked into secure cards?  Those are better options IMO

---

SDFCU comes to mind.

[Anonymous]

Find whoever you bank with, see if they offer a secured card.  Bank of America does, Wells Fargo does, I believe Citi does, and Capital One does.  Either one of those choices would be much better than any shopping cart trick cards.  Especially now that it's a hard pull for what will be essentially a $200 toy limit.  

And try to stay away from store cards unless it's something you'll use often.  Even then, 1 or 2 will work. 

[Imperfectfuture]

---

@Anonymous wrote:

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

It is best that they don't work.

No, really. Unless you actually plan to shop at ANY of these places.

---

Never.  Why would I want a finger hut account?  I started with really low scores (563), and got a secured card from a credit union.  I hadn't even found this site yet, just watched a suze orman show with someone in same credit situation like moi.  11 months later, sent pre approval for sub prime card.  After 12 billing statements, the sub prime is cancelled, in October the secured card graduated.  I would never shop at fingerhut, would rather use cash back paypal debit with amazon prime membership (which I did for 6 years) than get store card.   

JMHO, YMMV, etc

[chalupaman]

---

@Imperfectfuture wrote:

---

@Anonymous wrote:

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

It is best that they don't work.

No, really. Unless you actually plan to shop at ANY of these places.

---

Never.  Why would I want a finger hut account?  I started with really low scores (563), and got a secured card from a credit union.  I hadn't even found this site yet, just watched a suze orman show with someone in same credit situation like moi.  11 months later, sent pre approval for sub prime card.  After 12 billing statements, the sub prime is cancelled, in October the secured card graduated.  I would never shop at fingerhut, would rather use cash back paypal debit with amazon prime membership (which I did for 6 years) than get store card.   

JMHO, YMMV, etc

---

+1

Though if they have no other options and they don't wanna get sucked into toy junk card hell or First Premier, Fingerhut might be one of the few options out there unfortunately. 

[Imperfectfuture]

---

@chalupaman wrote:

---

@Imperfectfuture wrote:

---

@Anonymous wrote:

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

It is best that they don't work.

No, really. Unless you actually plan to shop at ANY of these places.

---

Never.  Why would I want a finger hut account?  I started with really low scores (563), and got a secured card from a credit union.  I hadn't even found this site yet, just watched a suze orman show with someone in same credit situation like moi.  11 months later, sent pre approval for sub prime card.  After 12 billing statements, the sub prime is cancelled, in October the secured card graduated.  I would never shop at fingerhut, would rather use cash back paypal debit with amazon prime membership (which I did for 6 years) than get store card.   

JMHO, YMMV, etc

---

+1

Though if they have no other options and they don't wanna get sucked into toy junk card hell or First Premier, Fingerhut might be one of the few options out there unfortunately. 

---

Popa, you changed colors.

[chalupaman]

---

@Imperfectfuture wrote:

---

@chalupaman wrote:

---

@Imperfectfuture wrote:

---

@Anonymous wrote:

---

@orestrus wrote:

My oldest card is 4 months old. I tried bunch of sites, and the only one im getting is fingerhut pop up with pre approval for measily $180. No other sites give me anything so far

---

It is best that they don't work.

No, really. Unless you actually plan to shop at ANY of these places.

---

Never.  Why would I want a finger hut account?  I started with really low scores (563), and got a secured card from a credit union.  I hadn't even found this site yet, just watched a suze orman show with someone in same credit situation like moi.  11 months later, sent pre approval for sub prime card.  After 12 billing statements, the sub prime is cancelled, in October the secured card graduated.  I would never shop at fingerhut, would rather use cash back paypal debit with amazon prime membership (which I did for 6 years) than get store card.   

JMHO, YMMV, etc

---

+1

Though if they have no other options and they don't wanna get sucked into toy junk card hell or First Premier, Fingerhut might be one of the few options out there unfortunately. 

---

Popa, you changed colors.

---

I just noticed. Thanks for noticing. Being here long enough and posting regularly and trying to help others here has really paid off.