Rewards 660 visa

[Anonymous]

Does anyone else have this card? I got it with mid 400's on all CRA's. It has helped me so much I believe. I know it has high fees, and BS's charges, but it's a small price to pay.

Does anyone know how hard it is to get a credit limit increase? Also, they have not shown up on EQ after 35 days. Do they report to EQ? If not, can I have it reported to EQ? Thanks to all my credit geniuses!!

[ariesdreamer]

---

jps37033 wrote:

Does anyone else have this card? I got it with mid 400's on all CRA's. It has helped me so much I believe. I know it has high fees, and BS's charges, but it's a small price to pay.

Does anyone know how hard it is to get a credit limit increase? Also, they have not shown up on EQ after 35 days. Do they report to EQ? If not, can I have it reported to EQ? Thanks to all my credit geniuses!!

---

I currently have this card and got it two years ago. You get a CLI every 3 months of $100 but it's really $75 since there is a $25 charge. The CLI is not automatic either. When you get your statements, make sure to call them when you see a comment on there stating you are eligible for a credit line increase. Otherwise, they won't do it. And they only report to TU under 'Dakota State Bank'. I haven't tried to have them report it to the other two CRAs though.

This card has helped me establish my credit immensely although I hate the 'participation fee' that is imposed monthly. I'm keeping it since it's one of my older cards just for the history.

I agree...its a small price to pay but well worth it in the end.

[SmartCookie]

Fairly certain they will report to all 3 but some cards take a few months unfortunately.  Hope yours does soon.  Nice work on your scores!  Yeah it's a super sub-prime card but ya gotta do what ya gotta do and work it.

I don't have the card and it's looking like not many people have that particular card so I'll show you what I see on their site.  Looks like you won't top out on the 2k max CL for years.  You are repairing fast though so honestly I'd bet money that you will ditch this card before your next AF is due.  I don't know if the CLIs are automatic but I'd bet no, you have to call.  Good thing is that they won't charge you for issuing them.

Credit Limit Increases. You will be eligible to receive $75 increases to your Credit Limit each time you meet all of the following requirements: (i) for three (3) consecutive months you make on-time monthly payments of at least the minimum payment (no calendar month will be counted twice) and stay within your credit limit; (ii) and you keep your Account current and within the Credit Limit until the Credit Limit increase is granted. Each increase will be automatically granted within approximately thirty (30) days after the end of the three (3) month qualifying period if all eligibility requirements have been met. There is no fee for a Credit Limit increase. The maximum credit limit is $2,000.

[SmartCookie]

aha!  Thanks for the details airiesdreamer!

[SmartCookie]

---

jps37033 wrote:

Does anyone else have this card? I got it with mid 400's on all CRA's. It has helped me so much I believe. I know it has high fees, and BS's charges, but it's a small price to pay.

Does anyone know how hard it is to get a credit limit increase? Also, they have not shown up on EQ after 35 days. Do they report to EQ? If not, can I have it reported to EQ? Thanks to all my credit geniuses!!

---

BTW I see you are scouting out Hooter's Visa... which I was thinking of earlier when I read your post so we're on the same wavelength with that.  You must have 2 open TLs reporting and they might both need to be revolving credit.  On score alone you could probably get approved now but wait it out a small bit so you get a bigger starting CL and the probability of no AF.  They do not waive AFs easily if at all but are good on CLIs from what I hear.  DH got a 0 AF 8k CL with them this week and his TU FICO was around 676 at app time.  I'd keep that on your short list and try for BoA secured or partial secured 99/500 as your next card.

Message Edited by SmartCookie on 12-20-2007 01:40 AM