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Discussion in 'Credit Talk' started by wondering, Sep 22, 2003.
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
you will get the card pay the annual fee then they will sell your account to first usa or someone else who will jack your rate......
THEY PICK AND CHOOSE...
They are VERY STRICT...
Not worth the endless paperowkr and trouble!
After looking through various websites and magazines I finally decided to apply for Pulaski
bank's card. I was lured by the low fixed rate. HOWEVER, my on line application was only the
beginning of a merry go round of useless activities ending an ultimate denial. Now before you
think this is sour grapes, I have a credit score over 780, earn over $130K per year with my only
existing credit obligations being my mortgage and an American Express Platinum card (which
I obviously pay off monthly). The application process was a JOKE! My 'easy' on line
application was followed by endless requests for pay stubs, W-2's, copy of my driver's license,
etc. etc. This process went ON & ON! There was never anyone who could tell me what the
status of the application was. When the denial finally came, no-one could tell me how they
determined that my debt / income ratio was too high since I HAVE NO OPEN CREDIT CARD
BALANCES!!!!!! I finally gave up and applied by phone with MBNA for their Platinum Plus card.
I got a low fixed rate, $25K line of credit and NO HASSLES. I didn't have to send anything!
Don't waste your time and have a useless inquiry on your credit report from applying to this
Most Attractive Feature: Low rate - if you can get it
Least Attractive Feature: Paperwork and ridiculous underwriting
It didn't look that bad when I copied it...SORRY
NEXT ONE IS "JUMPING THROUGH HOOPS"
2.5 IS BELOW AVERAGE
Thanks for the information! Appreciate it. Just trying to find a low fixed rate card (besides AMEX).