My situation is this Providian Platinum Visa CL $1300 apr ? opoened 4/2001 ( just upgraded this month FCNB visa CL$300 apr 18.9 opened 5/01 Getsmart Visa CL $400 and apr is 16.99 opened 6//2001 Cross Country CL $750 and apr is 18.99 opened 6/2001 Orchard Bank cl $500 opened 6/01 closed 12/01 Orchard Bank Cl $300 opened 12/01 closed 01/02 Orchard Bank CL $ 1800 apr is 9.0 opened 12/01 Capitol One Plat CL$400 apr is 14.9 opened 01/02 Wells Fargo Auto loan opened 12/01 $18000 balance 3 chargeoffs from 1996 to 1998 No negtives since 1998 ..Scores range from 560 to 590 I recieved an offer in the Mail from House Hold today. Preapproval for a $1000 but apr is 18.9%. SO i called and spoke with a rep and explained that I have a card with House Hold at 9.0% and I would like a Household card but the apr is high. SHe stated that they could probably work something out if I called credit services back tomorrow morning. I also said that if they have to pull a credit report could they also check out refinancing my car loan (2 birds with one stone ). She said that they may be able to use 1 credit report but to call back in the morning.. I really do not want another credit card but I am planning on closing my FCNB next month after it hits 1 year and I hate CCB and will close them in June as well. But is all of this worth it. I plan on buying a home next year as well and really did not plan on any more inquries except a Target Card but Household will be the First Prime Bank i have recieved an offer from. WHAT DO YOU GUYS THINK ??
Good idea about the refinance with House Hold depending on what your interest is now.. I too have Orchard accounts and have been pretty pleased..Is HouseHold really a Prime company ? CCB sucks and I would close them as soon as possible. I have a card with them and I am getting weary of the products they continue to offer me. Recieved another Gold card offer with the same exact terms..HAHA
Nothing could be worse than Cross Country Bank..I bet you if I had a 0 balance with them they would find a way to make me pay something...Orchard has been extremely good to me..
