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Discussion in 'Credit Talk' started by Cinergi, Nov 2, 2001.
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cap 1 secured would be my recommendation. They have always remained "stable" unlike providian,nextcard, etc... Its going to take time, maybe years. Suggest finding a Credit union who might work with you.
Cap1 definitely. You can get at least 2 cards within the same year, work the lines up, work the terms down, then combine after 6 mos (although I'd keep the separate lines to work them quicker and then combine later).
Search Cap1 and you'll see lots of hints and help. You can work to prime with them if you're good.
If their new system is what they say it is, and I'll know by the end of this month, then my second choice would be Household.
their initial card is a bit expensive but you can also work the line and terms pretty well within a year or 2 and with their combination of subprime and prime systems, it's been rumored that their retention dept will be able to really take you prime eventually. we'll see
the only real neg I have now noticed with Household is they now put a 5 day hold on payments that are large. Cap1 doesn't do that.
Consider a First Consumer's National Bank Visa/Mastercard. They will most likely give you 2x your initial deposit. Up to a $5k credit line. Card reports unsecured. FCNB gives you a grace period and interest rate is 18.9%. Pay on time for a year, don't max out the card every month and you will get your deposit back in 12 months. Low annual fee. Good card to get back on track and you can set the credit limit via your security deposit.
As long as they don't steal her check and refuse to answer letters and PFs and hang up the phone on her when she asks why they claim they didn't get the check.
really cap 1 cust service is top notch. There may be some "better deals" but honestly, cap 1 has gone above and beyond all the others in terms of service.In less than 2 years i went from nothing (got my 1st cap 1 secured) to $3000 in unsecured 12% credit from them.
They dont play games like the other banks. And thats why i keep my old crap 1 open, even though i don't use it any more due to its APR being too high.
If cap 1 is reading this, they need to make their subprime cards prettier. Writing "GOLD" on a gold card, is ghetto.
Sam your right "writing "GOLD" on a gold card, is ghetto." But now that the card is old and faded people know it was suppose to be gold. By the way mine is the classic green (very ugly).
I have also done well with Cap One, $300 to $2,000 in two years. I recently added Orchard and Providian and made a small Dell purchase.
My Cap One is at 9.9% the others 18.9% or higher. That is the price of rebuilding.
Your BKO Chapter 7, will affect your ability to get Credit for up to seven years.. That is the price you have to pay.. You are a risk, in regards to paying the debt back.. Best advice is do what you are doing now and that is paying for everything in cash. If you use credit cards, ect again, you will probaly start on the same road that led you to BKO..