I should have just went thru my credit union and got a huge secured card .
It's sad..I make $80 grand (which isn't much in NYC but decent enough ) have a Co-Op worth $250,000 and all because I was too lazy
to pay my bills.
I have 11 accounts in great standing . Also 3 Collections that were paid off that will drop off in a 5 months even tho them creeps lied to me
that they will be deleted. I was stupid back then and didn't know the rules and took their word for it over the phone years ago.
7 old CC's that were paid off but I closed years ago because I was getting in trouble being lazy .
The other 3 collections are bogus..2 medical where my insurance paid one and the other dental where the dentist kept
entering the wrong code for payment from my insurance !
The last one is verizon but now in collection which I might settle even tho verizon added bogus fees to it for early cancellation when the
amount was in dispute.I refuse to pay all the $ they added on.
I'm debt free and can't get a freaking CC .
I will never ever get a Cap 1 card for the rest of my entire life !