Separate names with a comma.
Discussion in 'Credit Talk' started by the other, Nov 13, 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. 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
Not too diffcult. No charge-offs or late payments, no BKs, open trade lines for at least 1 year with good payment history, minimum income of $20,000. Good Luck!
I have a good history. Here is my low down:
No derogs. of any sort.
Too many inquiries (obtaining mortgage between end of July and beginning of September, but I really had too many before that)
I am a new homeowner
Total cc debt is about 55,000, with total limits around 90,000. (But this is spread over 9 cards)
I also have student loan debt for a total of about 40,000 (all deferred right now).
Household income of approx. 125,000.
I applied, but it said it would need further processing.
I hope I get it. I have some major purchases I need to make, and would like to get the skymiles for the purchases. I know the interest rate is high, but I have the money to pay for the purchases without this card (I just want the skymiles!) I would also like to close a couple of my accounts with lower limits.
Just so you know, AMEX is very strict regarding recent credit inquiries and accounts with balances.
I believe more than 3 inquiries (probably more like 2) and 40% or more owed on revolving accounts, and AMEX may decline.
Will the decline be independent of even a qualifying FICO? I don't know. Maybe Jason could comment on that...
What I mean is: just suppose you need a 700 credit score to be approved for the card. As long as you make 20K a year, and probably have lived and worked at the same place for a couple of years, you'll get approved.
But maybe AMEX will see that even though the score was 700, etc. you had 10 inquiries in the past 6 months and owe 57% of your total revolving limits. They may think the latter factors are enough to decline, even with a qualifying FICO.
I already have the Amex Blue.
i wonder if it will make a difference that I already have one of their cards?