Money Management
Discussion and tips on sound money management.
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Our picks
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Best CU CCs?
gabbyraja posted a topic in Credit Forum,
I've been here off and on for 12 years. I've been working on my credit the past 6. I began with a secured card and loan and now have a little over 30k in unsecured cls.
I'm here to ask for the list of the good credit unions. The ones with ccs that begin with higher limits than usual, get bigger (automatic) CLIs, etc. I know nfcu and Alliant were mentioned years ago (both included in my bk, so they're not options for me, unfortunately) and penfed (my best ccs are with them now). Who else?
(I did try to search, but couldn't find this specific info, sorry)-
- 5 replies
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$7k Cap1 Approval the day after ch 7 discharge, am I tripping?
curmudgeonGuy posted a topic in Bankruptcy,
My latest chapter 7 discharge hit the bureaus yesterday. I figured I'd apply for Cap1 and get offered their secured card (which, by the way, I had for a couple years and closed 2 weeks prior to filing to BK in Aug so it wouldn't be IIB).
Nope, was approved for Quicksilver unsecured with CL of $7k, it was the high interest rate 26.99% I think. I'm not complaining, but it seems to me that an approval like this is a big difference from the last time I went through BK in 2011/12.
Does anyone know if this is typical, in 2022, of just discharged BKs or if perhaps I hit some sort of a good glitch lol.
Thanks-
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- 7 replies
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The Suckrony haircuts continue...
centex posted a topic in Credit Forum,
I guess my search skills are lacking, because I know we had a thread about the PayPal and other Suckrony product line slicing...but I cannot find it now.
Anyhow, to add a datapoint, I got a notice this AM that my line got chopped by 85%. This comes after having been stuck at $10K for some time now (since pre-rona). Logged in to the account and tried for a CLI and got an insta-denial.
As of this AM, their Vantage 4.0 sKore is still showing me well North of 800, dinging me for a lack of real estate information (I have no mortgage) and the 'too high proportion of balances,' never mind that two accounts are reporting and make use of less than 1% of the total available lines. One of the accounts has a balance of about $3K which represented less than 15% of that card. I'm more inclined to believe Suckrony wants to cull the prime customers who don't have an absolute need to pay inflated interest rates and who only used the card for the occasional 0% offers.-
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- 15 replies
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Portfolio Recovery out of SOL. Send FOAD?
IheartLoopHoles posted a topic in Credit Forum,
Hi Yall,
Years ago this forum helped me completely clear my CR's and I swore I would have perfect credit forever. Then COVID.
That said, I have been thru many many posts to try and refresh my memory on best steps but there are so.many.posts. It looks like since last I was here (2007 or so) not much has really changed but I'm getting confused on what my best approach is with PRA.
I am in California. Debt is outside of SOL. I disputed the tradelines (they have like 5 accounts of mine) with the CBs hoping for a lucky break. Yes that was a mistake.
Is my best approach the FOAD letter? Or is there another approach I might be missing?
Any help is much appreciated, thank you!-
- 43 replies
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Governing law: Canada. $534.99 for $200 PLOC loan.. Take it just to build?
Goku4 posted a topic in Credit Forum,
This Saturday morning, I applied for a $1000 loan from some site that I believe we could call subprime. I was just denied payments on a new phone device from my service provider in their application last night. I filled out the app and.. IF I sign it, I have not yet signed..
$200 loan to be Monday morning and I will have to pay back a grand total of $534.99 - in interest.
I'll post some of the information below but the part of me I'm thinking that I should take this just for the sole purpose of building up my credit report to show positive installments because I can afford to make the payments that they're talking about.
I have never encountered a loan that was issued by a financial institution in Canada and as far as I know all of this is in US dollars.
Here is some more of the info.
Would you sign and therefore accept the loan, or would you not sign and leave it be?
Your payment schedule will be:
Number Date Amount Due 1 10/07/2022 $30.62 2 10/14/2022 $30.62 3 10/21/2022 $30.62 4 10/28/2022 $30.62 5 11/04/2022 $30.62 6 11/10/2022 $30.62 7 11/18/2022 $30.62 8 11/25/2022 $30.62 9 12/02/2022 $30.62 10 12/09/2022 $30.62 11 12/16/2022 $30.62 12 12/23/2022 $30.62 13 12/30/2022 $30.62 14 01/06/2023 $30.62 15 01/13/2023 $30.62 16 01/20/2023 $30.62 17 01/27/2023 $30.62 18 02/03/2023 $30.62 19 02/10/2023 $30.62 20 02/17/2023 $30.62 21 02/24/2023 $30.62 22 03/03/2023 $30.62 23 03/10/2023 $30.62 24 03/17/2023 $30.03 Total Payments: $734.29
Green Funds Group DBA GFX, 12 Simon Road, Kanesatake, QC, J0N-1E0
LENDER INFORMATION BORROWER INFORMATION Green Funds Group DBA GFX
12 Simon Road, Kanesatake, QC, J0N-1E0
Customer Service: 1-833-381-1202
Email: clientservices@greenfundsexpress.com
Website: www.GreenFundsExpress.com
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- 11 replies
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Posts
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You continue to overlook the impact of Fed actions on things like APR on this sort of product. If you don't need the funds, then NO loan product is worth taking outside of a card-related 0% zero-fee BT teaser. -
By StantheMan · Posted
One thing that I learned during my rebuild if I didn’t get an answer I was hoping for was to immediately call back to confirm the original response. Even then I would request a supervisor. Was surprised by the lack of knowledge many front liners had and actually got results I was hoping for. -
By Sidewinder · Posted
Since they just issued me that new $14K credit line, I expected them to swing cautionward, but I just checked and it's $17K. At 8.98% so, you know — no thank you. But still. -
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By Sidewinder · Posted
Yes obviously I get the joke; what I don't get is how Synchrony enters into this in the first place.
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