The Hamburglar

It has always just taken me directly to a form. I don't think I have ever filled it out, but I just assumed it would be a hard.

Id check some of the stickies as well. I'm not trying to pull the "it's already been covered card". However, you need to do a bit of reading to even know which questions to ask. One of the first things you need to do is get a real copy of all your reports, without that exact info you are flying a bit blind. There are cards you can apply for and may qualify for. However if you have collections showing on your reports, its not entirely "fixed". You may be better served to work a bit longer and try and remove the blemishes and be rewarded with better tradelines to build on. The links in my sig will help hopefully. If you are dead set on a card now and what you can get, Orchard is generally considered a rebuilding card. You can see what they will generally give you without a hard pull on the report by going here: https://www.hsbcapply.com/start/orchardbank You only get hit with the inquiry should you decide to apply after the options are presented. There are probably others, but that should give you an option without putting any real skin in the game.

I will probably just suck it up and pay the 3% fee on the other card. I have had to revolve a few balances as of late which I normally don't do. I was just trying to save a bit of money. I have to assume they would look at it as a cash advance. I don't want to set it up online and find out the hard way.

Is it possible to balance transfer to a checking? Ideally I have a few cards I'd like to move over and avoid paying fees on all of them. I vaguely remember people balance transferring to checking accounts in the past. I don't know if it depends on the issuer or not. I have a chase card that I'd like to have deposit money into my checking if at all possible. I tried searching but I wasn't finding exactly what I was looking for. I haven't been around in awhile, so hi as well

It gives you warm fuzzies doesn't it

Label applied by the man: Senior Help Desk Analyst Pittance: 47k Available Credit: Around 15k

I wonder who Newegg will use for their preferred accounts if CIT does bomb entirely. Thats the only reason I have any credit with them.

I don't yet have a card with them yet. The ones they offered me didn't strike my fancy. Hows your Experian look? Others might have a better idea. If you apply and get denied you sometimes will be presented with the 99/500 card.

Have you tried their card selector by chance? I don't believe it works if you are opted out. https://preapproved.bankofamerica.com/card?...%20For%20Offers

Agreed, it never seems to be the same for everyone. I have shopped around and for me State Farm is by far the cheapest (nearly 25% less than Geico). Yet earlier in the thread Geico was much better for someone that State Farm. Insurance is very much a ymmv situation.

Home Depot Inc. (HD) and Citigroup Inc. © have tightened lending standards and raised interest rates for some users of their co-branded credit card as rising late payments and defaults pinch the home-improvement retailer's profits, Chief Financial Officer Carol Tome said Tuesday. In an interview with Dow Jones, Tome said Home Depot worked with card issuer Citigroup to revise some terms of its cardholder agreement, such as the annual percentage rate and the interest rate charged for accounts in default. "We don't underwrite this so the receivables are not on our books," Tome said. Still, she said, Citigroup at Home Depot's urging has also tightened underwriting standards, taking a look at creditworthiness of Home Depot card applicants by state, for example, given the housing-related economic difficulties some states such as Florida are having. Home Depot has also cut marketing and other expenses tied to the program in an effort to cap rising costs tied it. "We are taking action appropriately," Tome said. The moves come at a time some shoppers who are less able to borrow against their homes, given falling U.S. home values, might need the credit card in order to make big-ticket purchases. "Credit is an important sales tool," Tome said. In 2007, Home Depot's proprietary credit card sales generated about 29% of store sales, or more than $22 billion. At the same time, Home Depot must balance sales opportunities with higher credit costs tied to the program in a weakening credit environment. Its profit-sharing agreement with Citigroup for card purchases boosted profits in previous years, but consumers have defaulted or been late in payments more frequently in recent months amid the weakening economy. Home Depot in 2007 received $275 million less through its profit-sharing agreement with Citi than it did in 2006, according to a Securities and Exchange Commission filing. Home Depot pays interchange fees and a flat fee for every customer who uses its deferred interest program, but it also shares in card- program profits above a certain threshold it hasn't identified. Home Depot received no such profits in the first quarter, Tome said during the company's post-earnings conference call. Home Depot expects its card-related costs will increase to about 2% of private-label credit sales this year from less than 1% in 2007, although Tome said in the "absolute worst" case, credit costs could represent as much as 4% of card sales. She said that delinquencies and charge-offs tied to the portfolio are running a little higher than expected, but the rate of acceleration seems to have stabilized. She didn't provide any figures but in November said losses in the portfolio had risen to about 6% from a previous range of 4% to 4.5%. Meanwhile, Home Depot is hoping the changes it's making will limit how much it will have to pay to attract those sales. "It takes a while for the portfolio to recognize the benefit of these changes, which are just hitting consumers today," she said. "It's a balance," Tome said. "We've tightened the credit standards working with Citigroup and we think that has a sales impact, (though) not a material impact. But it's the prudent thing to do." -By Mary Ellen Lloyd, Dow Jones Newswires; 704-371-4033; maryellen.lloyd@ dowjones.com (END) Dow Jones Newswires 05-20-08 1558ET Copyright © 2008 Dow Jones & Company, Inc.

heh. Actually, I think it's telling you that even they don't know what the score should be. According to the graph, it should be above 700! I am pretty sure the graph shows the average for the month. It dropped about 100pts due to util.

I don't need my FICOs right now. I am not planning on purchasing anything. I pull strictly for B at this point. That and I let a few statements cut before paying them this month so my util is out of whack.

Should i be worried?

Sounds like a plan, good luck. I'd have something nice to say if much of the money that was spent hadn't come from NFCU. Let me reiterate a bit of advice your mother probably gave you as a child which you seemingly have forgotten. "Then don't say anything at all."