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Discussion in 'Credit Talk' started by Luella, Oct 3, 2000.
Desperately seeking credit. Luella
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RE: Ever hear of First Savings
First off, don't believe the hype!!!! You are not going to get a credit limit anywhere near $2500. After they take all of the fees totalling $204 off of your available credit, you'll probably have approximately $46 available credit left! And that's if your lucky. These cards generally start out with a $250 limit. The APR and the fact that there's a 25 day grace period is good. Is there a monthly participation fee? If so, then forget it!
So, instead of in essence spending $204 dollars for this card, I would first apply at Capital One, Providian/Aria, or First Consumers National Bank and see what they offer you first. You never know. Providian sent me an application for a Visa Gold and all I had to do was send $49. My credit was worse than yours. I've heard that Aria has a high approval rate for their cards. FCNB I've heard is also a good starting point. If you want more information on these banks, just do a search.
Hope this helps. Bottom line is be patient. Just because the offer that you have is going to expire soon doesn't mean anything! I turned down Providian the first time then they sent me another offer soon after. I accepted that one then after that application was being processed, they sent me another offer!