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Discussion in 'Credit Talk' started by newstdt, Jul 8, 2001.
Thanks in Advance for any info...
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I would go with FCNB=!st Consumers Nat'l Bank.
I'd say apply for FCNB and if you don't get approved go for sterling bank. FCNB will likely accept you, and if not sterling is guaranteed to accept. I have an unsecured FCNB card and recall reading only positives about the FCNB and sterling secured cards. Sterling will get it done for $200+$19+$39 outlay and probably cheaper from FCNB. Also, I believe both report as unsecured which is important.
Also, I'd be wary of sites where people have a list of cards with links for you to apply, like the one offered above. Guaranteed those links are there to make that person money. The real tip-off is the Net1st mastercard. That card is an egregiously HORRIBLE deal. I don't see anyone looking out for other consumers could possibly recommend it.
You might look here:
Also, I do know someone who burned capone in a chapter 7, but who got a capone card immediately afterward (they offered it in fact), so it might be worthwile to ask. That may be an exception.
Scott - I followed the link on your post to the list of secured cards at Bankrate. I am wondering why the first cards on the list don't seem to be mentioned by anyone.
The first card look almost too good to be true -
Atlantic Coast Federal Visa, 9.99%F APR, $0 fees, credit limit equal to deposit. Other than the last part, is there something I am missing here?
Also, you mentioned the fees for Sterling. Wouldn't that all be charged to the card upfront? Is that high, or are all secured cards like that?
Hmmmm. Actually I'm not sure. It's possible that they might actually want decent FICO scores. You might call and ask what their requirements to get one are and if they report to CRAs and if they report as a secured card. I never tried but its worth a shot.
Actually, I just got a secured card from my credit union through my university and got a secured card with no fees, 12.99%, and they say it reports as unsecured but only to transunion.
Oh as for sterling, I think ~$50 annual fee is what you are going to have to expect to pay and expect to have a 1:1 limit:security deposit. However, I would say the most important thing is that it is reported to all bureaus and is reported as unsecured. That would be a make or break criteria for me.
"Sterling will get it done for $200+$19+$39 outlay and probably cheaper from FCNB. "
On the website it lists a fee of $39. Are these other fees hidden? Is the $200 the deposit?
Yeah...$200 deposit+$19 application fee+$39 annual fee.
If you request a Sterling application and recieve it in the mail, it is very possible that you will get a coupon that will waive the applicaton fee. They have been giving them out lately. It is worth a try.