Transfering a Credit Card After Bankruptcy
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Posted: Mon Jan 10, 2005 3:23 pm
Post subject: Transfering a Credit Card After Bankruptcy
Cindy Taylor
Date: 9/20/2000 2:51 pm CDT
I had a bankruptcy 6 years ago. Since then I have had two car loans and two credit cards. One loan is paid off and I have never been late on the credit cards. I am looking for a credit card to transfer balance of 2600.00 . Looking for a good rate. The balance is on a Providian Visa right now and I am paying through the nose. Any suggestions?
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Posted: Mon Jan 10, 2005 3:24 pm
Post subject: Transfering a Credit Card After Bankruptcy
Tim
Date: 9/21/2000 11:15 pm CDT
Try negotiating with Providian first and be very persistent, i.e. (ask to speak to a supervisor). It loks like they just increased your limit. Ask them for a slight reduction in interest. Wait 6 months and then ask them again. It worked for me.
If other companies are not offering you a good rate then there probally are none better then Providian's at this time for you.
I suggest you sign up with a credit union, they will issue you a card faster then a card company especially if you have been employed for several years and have a checking account.
I am an alimus of a local college in Maryland, so I am automatically able to join my states credit union. I am syure that you can locate a friend or family member whoo can get you in and on your way to a better card.
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Posted: Mon Jan 10, 2005 3:25 pm
Post subject: Transfering a Credit Card After Bankruptcy
Tim
Date: 9/21/2000 11:17 pm CDT
Try negotiating with Providian first and be very persistent, i.e. (ask to speak to a supervisor). It loks like they just increased your limit. Ask them for a slight reduction in interest. Wait 6 months and then ask them again. It worked for me.
If other companies are not offering you a good rate then there probally are none better then Providian's at this time for you.
I suggest you sign up with a credit union, they will issue you a card faster then a card company especially if you have been employed for several years and have a checking account.
I am an alumus of a college in Maryland, so I am automatically able to join my states credit union. I am sure that you can locate a friend or family member who can get u in and on your way to a better card.
archive
Posted: Mon Jan 10, 2005 3:25 pm
Post subject: Transfering a Credit Card After Bankruptcy
Baord Monitor - CA
Date: 9/22/2000 0:24 am CDT
Cindy,
If negotiating doesn't get you anywhere (good advice Tim), then take a look at our "Poor Credit" report. You can access it by clicking on "Card Reports" from our home page. You may find an attractive rate among the cards listed in this section of our site.
Hope this helps!
Best Regards,
Curtis Arnold
CFCCT P.R. Director
http://www.cardratings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Mon Jan 10, 2005 3:23 pm
Post subject: Transfering a Credit Card After Bankruptcy
Cindy Taylor
Date: 9/20/2000 2:51 pm CDT
I had a bankruptcy 6 years ago. Since then I have had two car loans and two credit cards. One loan is paid off and I have never been late on the credit cards. I am looking for a credit card to transfer balance of 2600.00 . Looking for a good rate. The balance is on a Providian Visa right now and I am paying through the nose. Any suggestions?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
archive
Posted: Mon Jan 10, 2005 3:24 pm
Post subject: Transfering a Credit Card After Bankruptcy
Tim
Date: 9/21/2000 11:15 pm CDT
Try negotiating with Providian first and be very persistent, i.e. (ask to speak to a supervisor). It loks like they just increased your limit. Ask them for a slight reduction in interest. Wait 6 months and then ask them again. It worked for me.
If other companies are not offering you a good rate then there probally are none better then Providian's at this time for you.
I suggest you sign up with a credit union, they will issue you a card faster then a card company especially if you have been employed for several years and have a checking account.
I am an alimus of a local college in Maryland, so I am automatically able to join my states credit union. I am syure that you can locate a friend or family member whoo can get you in and on your way to a better card.
archive
Posted: Mon Jan 10, 2005 3:25 pm
Post subject: Transfering a Credit Card After Bankruptcy
Tim
Date: 9/21/2000 11:17 pm CDT
Try negotiating with Providian first and be very persistent, i.e. (ask to speak to a supervisor). It loks like they just increased your limit. Ask them for a slight reduction in interest. Wait 6 months and then ask them again. It worked for me.
If other companies are not offering you a good rate then there probally are none better then Providian's at this time for you.
I suggest you sign up with a credit union, they will issue you a card faster then a card company especially if you have been employed for several years and have a checking account.
I am an alumus of a college in Maryland, so I am automatically able to join my states credit union. I am sure that you can locate a friend or family member who can get u in and on your way to a better card.
archive
Posted: Mon Jan 10, 2005 3:25 pm
Post subject: Transfering a Credit Card After Bankruptcy
Baord Monitor - CA
Date: 9/22/2000 0:24 am CDT
Cindy,
If negotiating doesn't get you anywhere (good advice Tim), then take a look at our "Poor Credit" report. You can access it by clicking on "Card Reports" from our home page. You may find an attractive rate among the cards listed in this section of our site.
Hope this helps!
Best Regards,
Curtis Arnold
CFCCT P.R. Director
http://www.cardratings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:56 PM
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