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Discussion in 'Credit Talk' started by curious, Apr 4, 2001.
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. 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
What are the terms?
2.9% apr on balance transfers
3.9% apr for six months
25 day grace period
No annual fee
Wow very good terms, what card did you apply for??
Barnes and Noble I see. Was this at their website??
Great card curious!
Sorry for more ?'s but here goes:
What is the apr. after the first 6 months?
Where and how did you apply?
Did the lender require verification of income/employment etc.?
Re: Great card curious!
After 6 months, it goes to 8.9%. It will raise from there if you have late payments, returned checks, negative stuff.
MBNA didn't require anything from me. A credit analyst called me and asked me a couple of questions. Simple stuff. She told me that she could see that I had just opened credit card accounts and wanted to know why. I told her that I was in college and wanted to finish before I took on any debt. She asked about my employment, told me that she would call to verify. I asked her if she wanted to talk to my manager while I had her on the phone, she said no. She never called though. She also asked about credit inquiries. I told her I was looking for a card with reasonable apr so that I could transfer balances. She told me ok, all was well.
I applied at www.barnesandnoble.com. There is a little picture of the card, click on that. I think that you can get an instant response. Don't hold me to that though, I can't remember for sure. I didn't get an instant decision, I think it was due to my limited history.
Try it and see. The credit analyst told me that they attempt to have all of their applications evaluated by a live person, so that if there are questions, they can contact you instead of just declining off the back.
Don't worry about the questions, that is how we all learn and acquire information. I am glad to help, seeing as how much info I have gotten from this site.
Let me know if you choose to apply, how things turn out.
In my experience ( and mine only); if I get to speak to a live person - I get the account. If it's automated - No credit. So your very complete answer was appreciated.
BTW 8.9%. that is great prime credit.
GO TO RATE IS 13.99%
Congrats to a fine offer.
Love to try this, but still have to stay on the wagon.
I think as my kids get older, I will have to teach them about the values of credit.
So drugs, sex, education and credit lessons are in order.
Congratulations, curious! You received great terms. Enjoy your hard work.
I would like to have the MBNA number. I applied tonight and would like to call them. Congrats.
To check on application status it is 1-800-789-6701. Don't push any buttons when it asks for your credit card number and you will get a live person.