Unregistered
Anonymous
Posts: n/a
Credits: 48,894
Sub: #1 Turned down by Capital One
Replied on 03-10-2010, 12:54 PM
Reply With Quote

I was declined for a CO card offer i received in the mail. I'm feeling really discouraged. I need some revolving credit to start boosting my score. I currently have a current student and auto loan with no past delinquency, though they have high balances. I also have a couple old collections ...thats it. What can i do?


Moderator

Posts: 3,259
Credits: 30,814


Send message to unclewulf
Sub: #2
Replied on 03-10-2010, 06:33 PM
Reply With Quote

Store credit. Gas (oil company) cards. The list goes on...

You wouldn't be the first guy on this board to have a card from Fashion Bug. Or the first girl to have one from Lowes or Home Depot. Stay away from the ones that carry a MC/VISA logo. The straight store cards are easier to qualify for. But watch the interest rate. And remember, just because you have it, doesn't mean you have to use it.

__________________
Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

Unregistered
Anonymous
Posts: n/a
Credits: 48,894
Sub: #3
Replied on 03-11-2010, 10:29 AM
Reply With Quote

Gas cards are good...if they don't have Visa logo how could i be sure they will report?

Sub: #4
Replied on 03-11-2010, 01:56 PM
Reply With Quote

You could also consider prepaid card from your bank or credit union. Use monthly and pay off each month. Some do have fees though.




«Previous Thread | Next Thread»
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes
Linear Mode Linear Mode

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -8. The time now is 07:12 PM.





About Us | Contact Us | Privacy Policy | Affiliate | Sitemap | Espanol | RSS Feeds| Terms of Services
* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
Page loaded in 0.047 seconds.