Searching for Best Credit Card Offer
Author: Guest
Posted: Wed Jun 16, 2004 11:36 am
Post subject: Credit Card
Wanted! sexy little 3"x 2 1/8" piece of plastic. Open minded to high percentage rate (I’m into the high maintenance type) and low spending limit (I’m used to rejection). Seriously, heres the scope.... I pay my my bills on time, just haven't had a long enough time paying them. I have my first loan (auto) 20,000 paying as agreed for 7 months now. I'm cursed with a 639 equifax score, 633 experian score, and 608 transunion score (according to privacyguard). I'm looking for a good start, I know that a credit card can help. But with my low score which card shall I apply to? I don't want a secured card.
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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2193
Location: Illinois
Posted: Wed Jun 16, 2004 4:04 pm
What state are you in? Be ideal if you can go after a company that pulls from your best bureau Equifax or Experian.
finance.groups.yahoo.com/group/whopulledmycredit/
Check out this site to see if you can see what would be ideal creditors to apply with. You are kind of boarderline I think on your scores... Have you made sure everything is accurate as possible on the credit report, see if you can do some house cleaning to bump that score up any more...
View our latest credit card ratings!
Author: Guest
Posted: Fri Jun 18, 2004 7:22 am
I'm in Virginia. The one and only thing on my credit report is this loan (and inquires). I got the loan Nov 3rd, 2003. The loan is thru Toyota Motor Credit. The loan is a 15.25% loan for 19087.00. I have paid every month early and 150.00 extra each month. It does also report to all 3 bureaus. I got this offer in the mail last night... First Premier Bank Gold MasterCard Annual % rate is 9.9%. Fees are as follows Program Fee $95.00 Account Set Up $29.00 Annual Fee $48.00 Participation Fee $72.00 Credit Increase Fee $25.00 per upgrade. What do you think??? Seems like there are a lot of fees. But if this is where I should start...I will. Can I do better than this?
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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2193
Location: Illinois
Posted: Fri Jun 18, 2004 8:50 am
First Premier Bank Gold MasterCard I have been told this is a really really bad company that you should stay away from them, Annual % rate is 9.9%. Fees are as follows Program Fee $95.00 Account Set Up $29.00 Annual Fee $48.00 Participation Fee $72.00 Credit Increase Fee $25.00 per upgrade. That is just too much BS to have to pay for what you have posted, I would recommend going to your local bank or credit union which you have a savings or checking account already set up with and ask them if you can get a secured credit card or installment loan to boost your credit - Some places don't even report secured accounts as secured, and others after a period of time will revert the secured to unsecured on the reporting. I bet you get a better deal from them then this company!
View our latest credit card ratings!
Posted: Wed Jun 16, 2004 11:36 am
Post subject: Credit Card
Wanted! sexy little 3"x 2 1/8" piece of plastic. Open minded to high percentage rate (I’m into the high maintenance type) and low spending limit (I’m used to rejection). Seriously, heres the scope.... I pay my my bills on time, just haven't had a long enough time paying them. I have my first loan (auto) 20,000 paying as agreed for 7 months now. I'm cursed with a 639 equifax score, 633 experian score, and 608 transunion score (according to privacyguard). I'm looking for a good start, I know that a credit card can help. But with my low score which card shall I apply to? I don't want a secured card.
View our latest credit card ratings!
Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2193
Location: Illinois
Posted: Wed Jun 16, 2004 4:04 pm
What state are you in? Be ideal if you can go after a company that pulls from your best bureau Equifax or Experian.
finance.groups.yahoo.com/group/whopulledmycredit/
Check out this site to see if you can see what would be ideal creditors to apply with. You are kind of boarderline I think on your scores... Have you made sure everything is accurate as possible on the credit report, see if you can do some house cleaning to bump that score up any more...
View our latest credit card ratings!
Author: Guest
Posted: Fri Jun 18, 2004 7:22 am
I'm in Virginia. The one and only thing on my credit report is this loan (and inquires). I got the loan Nov 3rd, 2003. The loan is thru Toyota Motor Credit. The loan is a 15.25% loan for 19087.00. I have paid every month early and 150.00 extra each month. It does also report to all 3 bureaus. I got this offer in the mail last night... First Premier Bank Gold MasterCard Annual % rate is 9.9%. Fees are as follows Program Fee $95.00 Account Set Up $29.00 Annual Fee $48.00 Participation Fee $72.00 Credit Increase Fee $25.00 per upgrade. What do you think??? Seems like there are a lot of fees. But if this is where I should start...I will. Can I do better than this?
View our latest credit card ratings!
Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2193
Location: Illinois
Posted: Fri Jun 18, 2004 8:50 am
First Premier Bank Gold MasterCard I have been told this is a really really bad company that you should stay away from them, Annual % rate is 9.9%. Fees are as follows Program Fee $95.00 Account Set Up $29.00 Annual Fee $48.00 Participation Fee $72.00 Credit Increase Fee $25.00 per upgrade. That is just too much BS to have to pay for what you have posted, I would recommend going to your local bank or credit union which you have a savings or checking account already set up with and ask them if you can get a secured credit card or installment loan to boost your credit - Some places don't even report secured accounts as secured, and others after a period of time will revert the secured to unsecured on the reporting. I bet you get a better deal from them then this company!
View our latest credit card ratings!
posted by CardRatings.com at 10:38 AM
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