Positive Posting

Discussion in 'Credit Talk' started by Sorin, Sep 22, 2000.

  1. Sorin

    Sorin Well-Known Member

    In the well known series "Now it's my turn
    to brag!":)))

    I've just received my MBNA Platinum Plus
    Visa, $5500, 14.9% APR (2.9% intro).
    Nice little present for the 1st aniversary
    of my credit history...

    Thank you all for the great advices and
    support. Keep it up...

  2. LadyCarr

    LadyCarr Guest

    A very nice present, and I'm quite sure there's more to come. Congratulations, and keep up the good work.
  3. Newcomer

    Newcomer Well-Known Member

  4. miles

    miles Well-Known Member

    Congrats! You deserve it.
  5. roni

    roni Well-Known Member

    "Moving On UP". LOL. Congratulations! You have been blessed.
  6. David

    David Well-Known Member

    Congrats, Sorin! :) It's nice to have someone with a similar credit situation as I, but only a few steps ahead. It gives me a chance to know what I could expect in the next 3-6 months!!!!
  7. Beth

    Beth Guest

    Congrats! I'm in the same situation, after 7 years of not being able to qualify even for a cell phone. I'm getting approved for gold cards!

  8. Chet

    Chet Well-Known Member


    Could you very briefly describe you credit background.

  9. Saar

    Saar Banned

    Had you built your credit with Capital One, I'd bet they still wouldn't unsecure your $300 card by now...

    Apparently, some banks DO show their appreciation of good customers, and don't put them in the "subprime for life" category. Sure, I know, credit building requires patience. Well sorry, Capital One, I'm out.

    MBNA is definitely part of the Prime world, and from now on - this is where you belong. Congrats!

  10. Sorin

    Sorin Well-Known Member

    Well, actually my first card was a Cap
    One secured with $200 line. Closed it in
    august. They tried to keep me with a $500
    line increase, but sorry, there's only so
    much space in my wallet:))
  11. Sorin

    Sorin Well-Known Member

    I think i've already did that... but here's

    Came to US in spring 99, absolutely no
    credit history.
    9/99 Cap One MC secured $200
    12/99 Providian Visa Classic, $500
    1/00 Associates Visa Classic, $750
    5/00 Citibank MC Platinum Select $1200
    5/00 Secured personal loan for $3000
    7/00 Discover Platinum $6000
    8/00 Closed Cap One
    9/00 MBNA Visa Platinum Plus $5500
  12. Saar

    Saar Banned

    "Closed it in august. They tried to keep me with a $500 line increase"

    $500? Yep, that sounds like a "generous" act of their retention department. And I'm afraid this is as far as they go...

    BTW - are you the "Sorin" from www.webpre.com/dv/messages ?

  13. dave

    dave Well-Known Member

    Sorin-- agree with you 100%. I just closed two capital one accounts with 20+ APRs. One was partially secured with a $5K limit (which they refused to unsecure even after six years). The other was unsecured with a $300 limit. No credit line increase on the big one in two years although to Cap1's credit (snicker), they DID offer me a $500 increase with a $99 deposit when I closed the account! I have received no increase on the small card which I opened in November 99. I see no reason to pay another $59 annual fee on a card that offers no benefits.
  14. Reshod

    Reshod Well-Known Member

    i threatened to close my account and they dropped my APR to 13.9%

    I had this card under a year at the time.

  15. David

    David Well-Known Member

    You opened the personal loan in 5/00. When did you pay it off? What bank was it with?

    Did you carry a balance on ALL cards, then pay them in full?
  16. Sorin

    Sorin Well-Known Member

    I didn't pay the loan yet. I'm planning to
    keep it for at least 6 months, probably

    As for cards, i usually don't carry balances.
    I pay in full every time. Well, at the
    moment I have a balance on the Discover, but
    at 0% doesn't matter. And guess who's
    gonna pay the full balance by the end of
    the year, when the 14.9% kicks in..:)))
  17. Sorin

    Sorin Well-Known Member

    Guess what... I was thinking about asking
    the same question about you :))

    Yep, that's me ...
    Small world, isn't it ?:)))
  18. David

    David Well-Known Member

    Are you a student here in the US?
  19. Sorin

    Sorin Well-Known Member

    nope, i work here (permanent resident)

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