@Anonymous wrote:Thank you! All of you have good advice!
By the way it was a Credit One Am Ex. So I will look into Capital One and Discovery.
But now I am confused though about getting 2 other credit cards.
Because I’d read about the AZEO method of increasing your score faster. And it takes 3 cards to do it, that is the only reason why I thought I needed 2 more cards. I only want them if it really will help my fico. And if I got 2 cards they would have small balances, all paid off except one. My credit union auto pays off my balance on my secured card of course.
But I thought I was supposed to keep the monthly charge at $100! One that $1000 secured card! Yikes! And then a month or so ago my score dropped because I forgot it was connected to my 1-click Amazon and I spent $700. But before and after I’ve kept it at $100 🙁 but my score went back up a few points since. I will definitely keep in under $80 from now on.
My Credit Union did tell me to apply for an unsecured card with them in Jan. So I plan to do that.
As to the car:
The suggestion to wait until Dec or Jan...
Thats hard because I’m freaked because my whole town burnt down in Sept. and we had to evacuate immediately! And the ONLY reason I survived is because I had borrowed my friends car the day before. So the anxiety & ptsd from that makes me super anxious to have a get-away car.
Also do you know if leasing a better option than buying? I was told (by a honda car salesman, right) that leasing shows the small balance on your credit for the month, not the full price as if I were buying a car, so the debt ratio is smaller if I lease? Does anyone know if that sound right?
Thank you all again! I so appreciate your advice.
GirlluvsNFL
The leases show up the same as car loans. So you were given misinformation by the salesman (surprise, surprise).
