Separate names with a comma.
Discussion in 'Credit Talk' started by eddie, Aug 11, 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
DISPUTE THE INQUIRY!!!
...OR e-mail them telling them..."since you did a "HARD" inquiry with-out permission...YOU CAN JUST INCREASE MY CREDIT LIMIT $2,000...OR DECREASE MY INTEREST RATE 2%...
COPY AND PASTE THEIR OWN WORDS!!!
The Credit Bureau file request described above will not negatively affect your credit rating or
credit history. To see the Terms and Conditions of your Balance Transfer, click here.
I DID IT! I just got home from New Mexico last night so that's why I haven't been posting. I called both Nextcard and Direct Merchants Bank and got my cards cancelled. DMB had some foreign lady I couldn't hardly understand, but she got the work done. Nextcard had some chirpy old lady who is like 60, and she only asked the reason why I was cancelling, which was due to the high interest rate. She cancelled the card and that was it! I'm free from them now! Here's the line-up of cards I have now.
*Sears, Opened 6/01, $500 limit
*Cedar Falls Community Credit Union, Opened 01/01, $500 limit
*Direct Merchants Bank Mastercard, Opened 6/01, $3500 limit
*Nextcard, Opened 6/01, $2000 limit
ALL of those were closed 08/01
Here are all the open accounts and limits, tell me what I should trim down to. I would like to keep only 2 or 3 cards.
*Iowa Community Credit Union Visa, $300 limit, Opened 07/00, 11.89% interest rate
*Capital One Student Visa, $500 limit, Opened 08/00, 14.77% rate
*Bank of America Platinum Visa, $6000 limit, Opened 06/01, 19.8% interest rate
*Chase Platinum Mastercard, $8500 limit, Opened 06/01, 2.99% till Feb 02' then 14.24%
*Target, $300 limit, Opened 06/01, Interest rate like 21% or so
What should I keep and what should I get rid of? Advice is appreciated, as well as help on getting my interest rates down, especially on the Bank of America Visa.
I dump the credit union and the Cap 1 cards. Limits to low and the rate is about par with the others. As for the Target card, keep it for the FICO model and buy yourself a book or CD to keep the account running.
Even though the limits are low, those are his oldest accounts.
I think you should stick with what you have and let it age a bit.