I'm mad! Damn First USA.......

Discussion in 'Credit Talk' started by Chet, Nov 22, 2000.

  1. Chet

    Chet Well-Known Member

    I'm still stuck in subprime credit card land.
    Have applied for a few prime cards but get denied for all of them because of a 1992 Bankruptcy.

    First USA send me a "pre-approved" offer for a Titanium card because they "like the way that I handle my finances". I assumed that the way this was stated that they had indeed seen my credit report and was aware of the BK.

    I called First USA and spoke to a supervisor. I told her that I didn't want to waste my time or a credit inquiry if I would just be denied because of the bankruptcy. She said that they do approve people with BK's and especially since mine was almost 9 years old, I had a good shot at getting a card. My credit has been perfect since the BK!

    So I applied!

    There response - denied because of BANKRUPTCTY!

    I'm aggravated!

    My BK will disappear from my credit reports in about another year, and after that First USA will never get my business!

    All I want for Christmas is a prime credit card, a prime credit card, a prime credit card!

  2. Chet

    Chet Well-Known Member

    RE: I'm mad! Damn First USA...

    Anyone out there know the key to getting a prime credit card with a bankruptcy on credit reports?


  3. Carrot

    Carrot Guest

    RE: I'm mad! Damn First USA...

    I called Chase about their secured MasterCard and was told they accept BKs. I know it's a secured card, but at least it's with a prime bank. Then again, they may try to pull a First USA...
  4. Doug

    Doug Well-Known Member

    RE: I'm mad! Damn First USA...

    Sorry to say there isn't one, until it falls off.
  5. Doug

    Doug Well-Known Member

    RE: I'm mad! Damn First USA...

    My post was strictly UNSECURED.
  6. Carrot

    Carrot Guest

    Hey Chet

    First Usa has a secured card, too. Minimum deposit is $100. The number is 800-544-4110.
  7. river

    river Well-Known Member

    RE: Hey Chet

    Things will start looking better for you next year!!!!! PRIMELAND will age you faster than SUB-PRIMELAND!!!!Just making light of the post that chet posted. DAMN those PRIME lenders.We're ALL are intitle to screw-up,at least,once in a lifetime. As my mother always said,"that's just a part of life,hon!!!"Even those of us that have screwed-up our credit must maintain some kind of sense of humor. It helps.
  8. cadman

    cadman Well-Known Member

    RE: I'm mad! Damn First USA...

    Hey chet,
    I just got approved for the GM Mastercard. It's a lot closer to prime than any of my others!:) First USA was one of the 2 creditors that wouldn't work with me and forced me into my BK in 93.

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