(1) New Getsmart VISA...not using a lot just a little here and there for building purposes...may use it to finance my credit repair...OH!!! THE IRONY!!! (2) Chexsystems report with no derogs (First Pull) (3) Two return receipts...TICK, TOCK, TICK, TOCK and the downer..... (4) Trans Union with an information request- 3 out of 4 isn't bad.....
Thanks...that card is burning a hole in my wallet....but I know, I know....I have to practice restraint...
The mailman was late for me dagnabit (I schedule my lunch hour for 12:30 as that is when he/she/it delivers..) But I honestly love my GetSmart... I pay on it online whenever I spend too much on it (wierd, but...). Being able to keep track online (where I spend 90% of my waking hours) is going to be my saving grace for crawling out of subprime hell... Deb GO GREEN GO WHITE
Chelechele meet Nave and Nave meet Chelechele.Two peas in a pod. Cleo told me that I would become a matchmaker. Now that I have done the introduction, I will let you two get aquainted. Best Wishes!!!!!!!! Combined income and assets,I see a better future for you two as one. You could also be AU on each others cards. It could boost credit reports,boost debt to ratio.?
Hey Deb... Yeah, I know...I like this card also...I just want to use it as another good reference along the way
River meet therapy...therapy, River. Bet I am a better match maker than you are ) -Peace, Dave (Maybe I should have introduced you to Valium ehhh all in time)
Are you? I still haven't found the right card for me yet. Or one that will accept me, at least.... hehe
I just applied for a Cap 1 card. I'm keeping my fingers crossed, but not holding my breath. I have a FICO of 654, but if they pull TU I'm screwed.
they pull both tu and experian for me... they'll prolly send you a $200 gold card if you have around 600 score.
I give you permission to use the new card AT LEAST ONCE A MONTH Providian, Cap1, and Household all want to see activity on the cards as reasons to give you increases. Providian, especially, actually has a stipulation in their review system that wants charge activity on the card for 4 months before review... meaning use it or get no increases (or slower increases). But you may use it sparingly. charge gas. I charge gum on my Nextcard just to give it $1 activity. Cap1 and Household, by the way, are very payment sensitive when it comes to giving line increases but Prov isn't... just activity sensitive. congrats on the new card.
Don't spend all that $200 in one day! Nobody ever answered this question... DO THEY GIVE $200 TO EVERYBODY? I'VE SEEN ONE $900. WHAT ABOUT PEOPLE $100,000++++ INCOME WOULD THEY REALLY GIVE THEM $200?
Yeah...$200....I will buy gas on it once a month and on the getsmart once a month....Work em, ya know?...Had to go to the post office...sorry...you know? Disputes... Anyway...got my ORIGINAL validation back in the mail from one...with a computer printout...IDIOTS!!! Oh yeah...they are gonna get it!!! Gotta go play with the baby now....She's crawling...so, you know how that goes....Life looks good..
I don't get it with workin a card by buying gum once a month, charge gas once a month or why even one' has these cards. I wouldn't waste my time with such. Is it because of limited imcome or high interest rates? Ya know? There are sub prime cards that don't rob you. FCNB is one. Or are these unsecure cards? I call workin a card by paying as many bills as you can with one and pay the balance off once a month or at least 80% I was under impression to be concern about staying on top of the ratio and and developing a responsible relationship with the creditor.ya know? Guess I have a different prespective on my credit building stradegy.
Could be all of the above....It works for me...young, have a baby, thats just what I do....Credit cards killed me when I was younger, and I'm not going to let it happen again..EVER....
