Readers Digest Platinum or SECURED?

Discussion in 'Credit Talk' started by dogman, May 18, 2002.

  1. dogman

    dogman Well-Known Member

    READ THIS ALL:

    http://www.firstusa.com/cgi-bin/web...VR&partner_dir_name=readers_digest&page=terms

    You apply for this great Reader's Digest Mastercard - and when you do the application - you find out it is issued by FIRST USA.

    GET THIS:

    It says the approval will qualify you for PLATINUM at 2.9% - or if not that card, a standard card - OR IF NOT A STANDARD CARD - A SECURED CARD - with a $100 minimum deposit with not First USA - but Bank One!

    Geez - reminds me of NEXTCARD - which I still have oddly enough...

    nope - I did not apply - Dogman
     
  2. GEORGE

    GEORGE Well-Known Member

    A 2.9% fixed APR for the first
    6 billing cycles following the
    opening of your account.

    After that,
    9.74% variable.&dagger;<-----------***** &dagger
    ON ALL THEIR CARDS...I THINK A "HACKER" MIGHT HAVE PUT IT THERE OR SOMEBODY ON THE INSIDE HAS AN IMAGINATION!?!?!!?!?

    One of the FEW good things about FIRST USA is H/H INCOME on the application...
     
  3. dogman

    dogman Well-Known Member

    "Nobody will ever know its a secured card..."
    "Nobody knew the READERS Digest Card existed..LOL!"

    The prestige -
    turn the card over for "Life in the United States."


    aarrff - dogman
     
  4. radiohead

    radiohead Well-Known Member

    I wonder what the requirements would be for the secured card?
     
  5. radiohead

    radiohead Well-Known Member

    I wonder what the requirements would be for the secured card?
     
  6. mindcrime2

    mindcrime2 Well-Known Member

    Requirements for secured card:

    1) Applicant must be breathing.
    2) See requirement #1.


    :)
     
  7. radiohead

    radiohead Well-Known Member

    You would think so... but some companies have farily strict requirements on secured cards... like BofA.
     
  8. mindcrime2

    mindcrime2 Well-Known Member


    Oh I know. I was just kidding. :)

    See my thread about Equifax and how I can think of several choice four-letter words to define how I feel about them at this moment. I'm just trying to keep myself from going bonkers over their lying ways.
     
  9. GEORGE

    GEORGE Well-Known Member

    1) MUST BE CLEAR OF CCCS (WITH-IN 32 YEARS) ON "BIG" 3...BK 2+ YEARS OK...
    2) ANY QUESTIONS, SEE # 1...
     
  10. dogman

    dogman Well-Known Member

    Good answer mindcrime - LOL!
    ALSO, Radiohead - you are correct - you cannot get a CHASE with a past BK. I bet your chances would be good if you had no past poor record with First USA - just a guess but what the heck? I'd say go for it - and report back when you get the card....

    Washington Mutual used to deal with Associates when you got a WAMU card. Associates did not like issuing to people with any past BK. However, I see now that Citi took over the Associates, and now issues the Washington Mutual Visa guaranteed - even with a past BK.

    You could read about secured cards by getting a secured card report at

    www.cardtrak.com

    They have all the qualifications for all cards that are secured - its a great report and you might have to pay $5.00 - but I think its free.

    Later - let us know what you decided.

    scratching my paws to memorial day - dogman
     
  11. radiohead

    radiohead Well-Known Member

    I am not sure if I will apply, but I was thinking about getting secured cards with various banks.. keep cleaning my reports.. and when they do review after one year or whatever.. that I have a good shot at getting unsecured and better terms.. I don't know, maybe its the wrong way to go.
     
  12. Maer

    Maer Well-Known Member

     
  13. jr

    jr Well-Known Member

     
  14. Cadillac408

    Cadillac408 Well-Known Member

    That's a great way to go. That is what I did while I was cleaning my reports. My plan was to try and add positive stuff while removing negative stuff. I applied for several secured cards but only ended up with the WAMU secured and the AMEX secured Optima. Chase turned me down and I wasn't interested in having shady cards in my wallet like FCNB, etc.
     

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