Charge-Offs

[SmartCookie]

Very good secured card.  If you need it, I'd take it since you already got a hard INQ from BoA. 

I wouldn't apply for other cards though unless you know your scores and are working on any other baddies you have.

[Anonymous]

Then i will get once i have the hit,

It was them items listed ,  i did did recieve 2 Amex Delta  and HHoners both with 2k CL

Thank you for the help

[SmartCookie]

If you got those, you don't need the secured card.  Congrats!

You can still call BoA for a reconn for the card you applied for.

[Anonymous]

I do agree with that i do not really need them

But i do need good TL, as stated on the board by the FICO gods

lol, i did learn so much from this forums.

I thank you again

P.S.

Yes I am going to call them in the morning then send if denied

Message Edited by ohboy on 07-04-2007 11:16 PM

[SmartCookie]

Glad you are doing your homework!

You don't want a secured card on your CBRs if you can get unsecured, which apparently you aren't having trouble with.  All I really suggest immediately is having BoA reconn that denial, and maybe you can also see if you can get a CL increase on those other cards.    

[Anonymous]

I will do the recon in the morning and hope for the best.

I did do the CLI on both I recieved 1k originaly from both then just ask for 1k increase I didnt want to get rejected so i was really conservitive.  

I use one for the myfico scores, and the other for TC.

which happens to be less then 10% utl.

My reward will be a good TL i really dont care about the reward pionts on these cards

I do have a BestBuy MasterCard which I do use and love to get paid to use it. Pay all my bills and living expenses. I pay as soon as posted that way no finance charge, recieve about 25$ from them every 2 months.

[SmartCookie]

---

ohboy wrote:

I will do the recon in the morning and hope for the best.

I did do the CLI on both I recieved 1k originaly from both then just ask for 1k increase I didnt want to get rejected so i was really conservitive.  

I use one for the myfico scores, and the other for TC.

which happens to be less then 10% utl.

My reward will be a good TL i really dont care about the reward pionts on these cards

I do have a BestBuy MasterCard which I do use and love to get paid to use it. Pay all my bills and living expenses. I pay as soon as posted that way no finance charge, recieve about 25$ from them every 2 months.

---

Hey you were a newbie an hour ago... what happened???    Paying to avoid finance charges is good but there is a particular way to pay that helps your score best.  I've got to do a post for Noah_Bodie for clarification so look out for it, you might find it interesting.

[Anonymous]

Will look out  for that post

I Became tired working to pay the intrest,  late payment, and over the limit fees.

that was costing me over $500 per month.what a waste of money.So now I want to get paid to use them cards.

 Capital one hates me now i have a Visa with a CL of 5k with them only use it to by 1 cup of coffee  per month $ 2.75 from Starbucks. LOL.(Im one of the few that is happy that they do not report the CL for I went over it almost $800 at one piont).

thank you again

Message Edited by ohboy on 07-05-2007 12:14 AM

[Tuscani]

Did recon work?

[future]

How long ago and what type of scores did you have when you got the amexs, also did you have any baddies on report. im considering applying for one....... ty