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Discussion in 'Credit Talk' started by roni, Oct 18, 2000.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access Visa® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign nationwide. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
This card has an EXTREMELY high interest rate and it DOES NOT report to any of the CRA'S, so this would not really help anyone build their credit.
That you mom. In the trash it goes.
What's with Aspire
What's with Aspire? They have declined me for a card ( a few months ago before I know how horrible they were). What is their criteria for issuing cards? With that interest rate you would think they would hand them out like candy
If you default does the card go up to 50%?
Who has been approved and what was your credit like then?
RE: What's with Aspire
I had zero credit when I received the Aspire Visa some time ago. It's best for people who do not carry a balance from month to month, and it's not for those who are seeking to improve their credit reports as Aspire does not report positive activities to the CRAs. Still, I'm sure they would waste no time in reporting negative information.
The initial credit line for the Aspire Diamond Visa card is usually $1750, with an APR of about 28%. Maxing out this card would cost you about $40 per month in interest payments alone. I don't even want to think of what their default interest rate is.
While Aspire could be useful in the event of a household emergency, it's just too expensive for most cardholders' spending habits. If you're one to pay your full balances every month, you'll do fine. There is a 25-day grace period, and there are no annual fees. Their customer service is excellent, and they post all payments on time.
Nonetheless, once I began to qualify for prime credit cards, I dropped Aspire like a bad habit. If you ever do decide to accept Aspire's offer for a Visa card, be VERY careful. If you push too far toward that credit limit, you'll have hell paying it off.
I have an Aspire card. I spoke to cs last week and they told me if you request it they will now report your account to the bureaus. She said it is something they just started doing. But, if you do get the card, don't carry a balance as the apr is sky high.
Aspire default rate!
So if your late on a payment, your rate defaults to 41%.
I got the card about a month ago, and charged about $150. I called the automated customer service number on the back to find out when my payment was due, and the payment is due October 26th. I have yet to receive a bill so I called them and they said the bill was mailed October 4th. Today it is October 18th and I have yet to receive the bill. (Are they trying to force a latepayment fee?)
There already raping me with a 30% APR, and now their trying to F**K with the bill. This card will not sit for long in my wallet!