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ruafraidofme

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About ruafraidofme

  • Birthday 02/19/1982

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  1. STD with no annual fee lol it's canceled
  2. My one year is coming up in a few days and i have this card paid to zero. Has anyone ever heard of them waiving their annual fee? I ask because I have a few other cards without an annual fee and would close this if they don't. There not open yet for me to call either.
  3. yes I opened this card too it is a great one they report right away to all 3 cra they DO NOT HARD PULL here is the link to apply to there new card. great secure card hope this helps But they have a $50 annual fee - is this good or not so good? And why won't they unsecure? Can't someone offer an honest card that actually helps people instead of trying to screw them one way or another? Would there really be no money to be made in doing so? Aren't most people fed up with being jerked around by banks and credit card companies, and wouldn't word get out fast that there's a new company that truly offers a best card, without comparison, and wouldn't everyone want that card? Yeah, $50 is a little high, plus they charge you $25 every time you increase the credit line after the first year. However, the benefit is the approval is pretty much guaranteed and there is no inquiry on your credit. Plus, it reports to all 3 CBs. Personally, I would try the Capital One secured first... If that one doesn't work out, then try the Open Sky. Also, SparkyinCA made a good point... make sure you do research on the secured card you choose to make sure it fits your needs. As of July 1 there is no longer a fee to change your credit limit or so says the new terms and conditions i got in the mail
  4. I do and I have already today written my senator and I hope any other members will to.
  5. how long does the account need to be opened before you can request a cli?
  6. Well I fired off a letter asking for their license number and reminding them its a felony in NC to communicate with a resident via mail without it on the letter. In that time One of the 2 accounts they had of mine completely disappeared from all 3 CRAs and the 2nd is no longer on EX. I also came home today that their is a CMRR letter for me at the post office from them so we shall see what that says tomorrow.
  7. I had a line of credit charge off with penfed back in 2011 for $820. Penfed currently owns the debt and is updating monthly. I would like to get back into penfed's good graces and be able to use them as my bank again. Does anyone know if they are forgiving enough to do that if I pay in full?
  8. 1. As has already been said, should have planned this out BEFORE the clock started ticking. 2. Anyone who suggests that you might get shut down for a couple grand in gift cards is talking out their flowers. 3. Gift cards -> MO's -> rent/mortgage/car payment/deposit into bank 4. Redbird 5. A nice rifle and optic how do you use a giftcard to pay for a money order? Good question. You don't You go to target and buy a redcard Not possible in NC for some reason
  9. 1. As has already been said, should have planned this out BEFORE the clock started ticking. 2. Anyone who suggests that you might get shut down for a couple grand in gift cards is talking out their flowers. 3. Gift cards -> MO's -> rent/mortgage/car payment/deposit into bank 4. Redbird 5. A nice rifle and optic how do you use a giftcard to pay for a money order?
  10. Thank you so much! Are they unable to report also wouldn't that be a collection activity?
  11. Has anyone dealt with this collection agency living in NC? I can not find anything about them being licensed in the state of NC so was wondering if anyone has dealt with them and if they are registered as a different company. Also there letters contain the "this is from a debt collector clause but nothing pertaining to their license # in NC. Thanks

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