Chevron on Wednesday, 76 today. I applied for 1 gas card 2 years ago and was deinied. All of a sudden I am starting to get these retail preapprovals. I've received about 5 in the last few weeks. But, I still am not getting any visa, mc offers. Strange. Both these gas card offers say I am already approved. Just sign my name, give my ss# and send it in and they will "rush" my card to me. I'll most likely take the 76. I'm also debating on the Home Depot guaranteed card as I'm in the home buying market.
Congrats LKH!!!!! Gotta love looking forward to the mail for a change. Hey, I'll take the chevron card off your hands if you'd like ;-). Sassy
Maybe I'll get both and make you an AU. LOL I've gotten offers for Sears (trash), JCP, Home Depot, 76 and Chevron in the past few weeks. I seriously don't understand why I don't get visa or mc offers. After I finished my cleanup, I continued to get the subprime offers. Then those stopped. I haven't had a visa or mc offer in at least 6 months. BTW, I still have a couple of my subprimers. I'm waiting til Feb. on one and April on the other for them to hit 3 years, then they get closed.
Now THERE'S a deal, LKH!!!!!! I wish I knew why you weren't getting visa or mc offers. Someone here said if you just keep trashing the subprime ones and holding out for what you want, eventually they come. You're giving me hope though and targets to shoot for. It makes a difference knowing there's a light at the end of this tunnel. Thank you! Sassy
For whatever I did, your welcome. I actually have quite a few good cards, but I've had to apply for every one on my own. citi plat select amex optima amex gold delta skymiles gm card cap 1 gold target visa household gold newport news for my eddie bauer clothes household revolving loc plus my few old subprimers soon to be history. I haven't even gotten a subprime offer in 6 months.
I got a household bank cc that I guess was included in my best buy application today. It was for $700 at 17.7% and a $69 annual fee. Hell no. I called and they canceled andthe idiot on the phone said it would be an open and close cc on my report which is a good thing. Since when? I told her my average time off revolving credit and all credit will take a hit from it. I smell a lawsuit coming. total idiots. I woulda kept it but they refused to remove the annual fee.
If they are going to report it anyway, you may as well call back and have it reinstated. Then try with another rep to see if they will remove the annual fee. None of the cards I listed have any fees. Oops. I take that back. The delta card has an annual. But I think that since I now have a 2nd card, they waive it. I'll have to check into that.
LKH- The only problem I have found with Chevron (not sure if you took it or not) but they don't know how to report CL's to EQU and EXP. Plus I thought it would report as a charge card, but it reports as a credit card. One of my reason codes is still: Not enough retail accounts. The ONLY retail account that I had that reported as charge card was FCNB fingerhut (never used it though). Off to start a thread to ask which retail cards report as charge card Congrats on the 76 card!
If you "GET" something for your annual fee...LIKE MILEAGE or POINTS redeemable for something you want, FINE...other-wise FORGET IT!!!
