Credit Card Offers with Poor Credit
Guest: nunya
Post subject: Credit Card Offers with Poor Credit
Posted: Sat Apr 08, 2006 10:01 pm
HaHa, you must feel like you're talking to your parents in this thread with all the advice! Anyway, it's all good advice but you know what you need and you're asking about these cards so I'll limit myself to talking about cards. You should get approved for those cards you mentioned above. I got approved for three of the ones you're asking about and my credit was a bit lower at the time I applied. You might want to consider a credit card with a lower interest rate instead of the big box store cards but that's just me. I have the Macy's, JCPenney and Target cards as well as two MCs that aren't bad at all. Good luck with your move.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Sun Apr 09, 2006 5:23 am
ha ha, yes nunya, i do feel like i am talkinbg to my parents
although, they'd never call me irresponsible cause they know how hard i work and how good with money and spending i am.
thx fitz, i will check out those cards. =)
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Sun Apr 09, 2006 5:31 am
creditbuilder wrote:
It seems you are following the same pattern that got you in this predicament in the first place. When you find yourself in a hole, STOP DIGGING! You don't need furniture until you can pay cash for it. I assume you're going to be renting. If that's the case you are going to want a mortgage before much longer, all those new cards are going to kill your score. Even when you get the cash you don't need to fill your house with nice furniture. Buy some cheap used stuff, just enough to get by. A table, a bed, a dresser. My sister did without a couch for three years when she was getting started. You have other things you need to take care of first. You need an emergency fund, pay off your car, save for a down payment on a house, put away for retirement. Luxuries can wait until you've taken care of all those other things, otherwise you'll end up getting in trouble again and you'll lose all those luxuries.
i've lived without any luxuries or furniture for the past 2 yrs (actually 7 ys if you count college). while the first thing my friends did when they got their jobs was to go buy a luxury car and a fancy apartment, i waited, walked and took the train everywhere, lived in a box practically, saved up money like crazy, paid half my way through graduate school and professional licenses.
I think after busting my butt through engineering undergrad and engineering grad school, i can now say i'd like to reward myself for hard work a little.
I am not getting fancy expensive furniture. I already know what i want to buy and have exactly all the money. However, i dont want to pay it all at once, because then my other funds will be tight, cause i just paid all those major things (car dp, 1 yr insurance, security on apartment).
Thanks for trying to look out though.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Sun Apr 09, 2006 5:42 am
Oh yeah, by the way, i do plan to buy a house next year,
but i spoke with the bureaus and most of my negative information (except the judgment which stays for 10 yrs) will be falling off between May 2007 - August 2007, cause all were from credit cards acquired in 2000 (and yes, i fell behind immediately. I was a dumb 17 yr old and thought it was free money...well, not literally, but i had no clear plan of paying it off, and i didnt care. ha ha, if only i had known).
by the time everything falls off, and i am paying all my current bills and car on time, i shall have perfect credit . Yahhhh!
By the way, i only keep a $50 balance on my current CCs, so i only utilize 94.9% of my revolving credit. Told you i am responsible
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Alexis Rios
Credit Expert (100+ Posts)
Posted: Sun Apr 09, 2006 7:52 am
Try HSBC or a secured Bank of America card.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Credit Card Offers with Poor Credit
Posted: Sat Apr 08, 2006 10:01 pm
HaHa, you must feel like you're talking to your parents in this thread with all the advice! Anyway, it's all good advice but you know what you need and you're asking about these cards so I'll limit myself to talking about cards. You should get approved for those cards you mentioned above. I got approved for three of the ones you're asking about and my credit was a bit lower at the time I applied. You might want to consider a credit card with a lower interest rate instead of the big box store cards but that's just me. I have the Macy's, JCPenney and Target cards as well as two MCs that aren't bad at all. Good luck with your move.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Sun Apr 09, 2006 5:23 am
ha ha, yes nunya, i do feel like i am talkinbg to my parents
although, they'd never call me irresponsible cause they know how hard i work and how good with money and spending i am.
thx fitz, i will check out those cards. =)
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Sun Apr 09, 2006 5:31 am
creditbuilder wrote:
It seems you are following the same pattern that got you in this predicament in the first place. When you find yourself in a hole, STOP DIGGING! You don't need furniture until you can pay cash for it. I assume you're going to be renting. If that's the case you are going to want a mortgage before much longer, all those new cards are going to kill your score. Even when you get the cash you don't need to fill your house with nice furniture. Buy some cheap used stuff, just enough to get by. A table, a bed, a dresser. My sister did without a couch for three years when she was getting started. You have other things you need to take care of first. You need an emergency fund, pay off your car, save for a down payment on a house, put away for retirement. Luxuries can wait until you've taken care of all those other things, otherwise you'll end up getting in trouble again and you'll lose all those luxuries.
i've lived without any luxuries or furniture for the past 2 yrs (actually 7 ys if you count college). while the first thing my friends did when they got their jobs was to go buy a luxury car and a fancy apartment, i waited, walked and took the train everywhere, lived in a box practically, saved up money like crazy, paid half my way through graduate school and professional licenses.
I think after busting my butt through engineering undergrad and engineering grad school, i can now say i'd like to reward myself for hard work a little.
I am not getting fancy expensive furniture. I already know what i want to buy and have exactly all the money. However, i dont want to pay it all at once, because then my other funds will be tight, cause i just paid all those major things (car dp, 1 yr insurance, security on apartment).
Thanks for trying to look out though.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Sun Apr 09, 2006 5:42 am
Oh yeah, by the way, i do plan to buy a house next year,
but i spoke with the bureaus and most of my negative information (except the judgment which stays for 10 yrs) will be falling off between May 2007 - August 2007, cause all were from credit cards acquired in 2000 (and yes, i fell behind immediately. I was a dumb 17 yr old and thought it was free money...well, not literally, but i had no clear plan of paying it off, and i didnt care. ha ha, if only i had known).
by the time everything falls off, and i am paying all my current bills and car on time, i shall have perfect credit . Yahhhh!
By the way, i only keep a $50 balance on my current CCs, so i only utilize 94.9% of my revolving credit. Told you i am responsible
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Alexis Rios
Credit Expert (100+ Posts)
Posted: Sun Apr 09, 2006 7:52 am
Try HSBC or a secured Bank of America card.
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 6:14 PM
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