AWWWWWWWWWWWWW u stole my post
I have a catalog card it reports to tu it has a $7,500 limit on it Ive had it for 6months Ive enjoyed using it Ive purchased a few things ipod touch and a few video games for the Xbox 360 I think everyone should have a catalog card no credit checks no interest and great limits you can at least manipulate one of your scores and thats a great thing knowing every company doesnt pull from every cra a company can pull your tu oh lets say a hooters and see you have a $7,500 credit card with a $192 balance this can be very helpful to gaining access to cards with higher limits it also helps your high credit limit which can work wonders against your util Ive been looking for a card that reports to all 3 cra but all the ones Ive found only report to tu which is good enough for me Im due for an increase in feb Ive had the card since may but Ive only made 3 payments the first three months I jus let it sit on my report and look pretty $7,500 card with no balance looks very beautiful hooters just pulled my tu and it was sittin right there waiting for them I expect a nice credit limit from hooters once I recieve my card in the mail got approved on the spot I think one day these cards will be looked at like authorized users and probably want factor into your fico scores but for now I think they are great!!!!!!!!
I have a catalog card it reports to tu it has a $7,500 limit on it Ive had it for 6months Ive enjoyed using it Ive purchased a few things ipod touch and a few video games for the Xbox 360 I think everyone should have a catalog card no credit checks no interest and great limits you can at least manipulate one of your scores and thats a great thing knowing every company doesnt pull from every cra a company can pull your tu oh lets say a hooters and see you have a $7,500 credit card with a $192 balance this can be very helpful to gaining access to cards with higher limits it also helps your high credit limit which can work wonders against your util Ive been looking for a card that reports to all 3 cra but all the ones Ive found only report to tu which is good enough for me Im due for an increase in feb Ive had the card since may but Ive only made 3 payments the first three months I jus let it sit on my report and look pretty $7,500 card with no balance looks very beautiful hooters just pulled my tu and it was sittin right there waiting for them I expect a nice credit limit from hooters once I recieve my card in the mail got approved on the spot I think one day these cards will be looked at like authorized users and probably want factor into your fico scores but for now I think they are great!!!!!!!!That sounds like music to my ears. 
I'm so excited about the journey of achieving a 750+ score. Now that I have the tools and information to make it happen.
I'm so excited about the journey of achieving a 750+ score. Now that I have the tools and information to make it happen.Seems you and I are the only ones at this party. But again I heard this was one of the best kept secrets to rebuilding/establishing credit.
I am not sure if this really is a good idea. I have seen most catalog card/ merchandise card with this kind of catch:
Are you guys willing to compromise (or pay) for the Credit Score ...
When I complete the application on the following pages of **, *** will debit my checking account for my one-time $149.95 Membership Fee. It will appear as a debit by USA Credit on my banking statement.
Are you guys willing to compromise (or pay) for the Credit Score ...
When you have "bad" credit you are (always) paying. You pay in interest, employment, insurance rates (health and otherwise), etc., etc., etc.....
I have no problem playing the credit game and if it costs me $149.00 welllllllllllll, it's ok with me. You see I'm in the middle of a re-fi and I'm paying 10% interest (ouch) and this lovely 2 bedroom-2bath apt. I live in. I advertisement stated $135.00 security deposit (based on approved credit). I "paid" $1,200 to move in for security..........again we're always paying.
And the fact that I_Owns has confirmed that it shows up on the credit report as a revolving credit card. It only reassures me that it's the right thing to do "for me". I think we all have to do what we feel comfortable with and I'm more that comfortable with it.
At the end of the day I just want my credit to be at 750+ and I'll do whatever it takes (legally to get it there).
It costs to have bad credit.....................
**Doing whatever it takes, meaning disputing, PIF, GW letters and such......
I hope your scores shoot to the moon!!!!