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  1. https://www.cnbc.com/2024/05/28/buy-now-pay-later-loans-are-second-only-to-credit-cards-in-popularity.html As buy now, pay later programs become more common, some shoppers are using this payment structure to make ends meet. Americans owe $17.5 trillion across credit cards, mortgages, auto loans and other forms of debt, according to the Federal Reserve Bank of New York. About $1.12 trillion of that is on credit cards. Buy now, pay later, or BNPL, loans often don’t appear on a credit report, serving as a kind of “phantom debt” that’s not reflected in those tallies. Such short-term financing plans are the second-most used form of credit payment among consumers in the U.S., according to a new report by NerdWallet. Credit cards are the most commonly used form of credit, with 66% of respondents using them in the past 12 months. Meanwhile, 25% said they had used BNPL services in the last 12 months.
  2. I’m trying to apply for new credit card but tryna see which credit card running equIfax can y’all help me 🤔
  3. is texas one of those states that outsourced a lot of DMV back-office services? Victim lost $50k after Texas DPS unknowingly sent 4,800 Asians' driver's licenses to crime group
  4. https://www.nysenate.gov/newsroom/press-releases/kevin-thomas/governor-hochul-signs-consumer-credit-fairness-act-law The Consumer Credit Fairness Act (CCFA) strengthens consumer protections in debt collection proceedings by: Requiring a notice to be mailed to the defendants in consumer credit actions by the clerk of the court, ensuring that defendants are given notice of the lawsuit; Requiring court filings to include more information about the debt targeted in a lawsuit, such as identifying the debt or account and providing proof that the debt is owed to the plaintiff; Lowering the statute of limitations for consumer credit transactions from six years to three years, compelling creditors to file claims in a timely manner and protecting consumers from excessive interest charges and late fees; Establishing specific requirements for applications for default judgments in consumer credit actions to prevent debt buyers from suing on expired debt.
  5. Consumers did great job paying down credit card debt during pandemic. That may be ending.
  6. Ive had the Citibank Double cash card for over 2 years now with a measly $2060 credit limit and with high 700 credit scores, 6 figure yearly income and only 2% Utilization on 18 credit cards, Mortgage and no late payments These suckas keep declining me for a simple credit limit increase.. Sock drawer it goes.. F Them!!! Im not saying im entitled But dang I KNOW im atleast a good candidate for Hell a $1000 increase atleast..sheesh smh Anybody else want to weigh in on this?
  7. Credit Cards Start Cutting Limits for People Facing Tough Times
  8. Ok, I just got an unsolicited $5,000 CLI on my CITI Simplicity MC, bumping me up to $23,000. I have been using this card recently because they gave me a 0% on all purchases and BTs deal until April 2021. This has come in handy, as we're selling our house and had to make some repairs along with paying moving and storage costs. The CLI is just gravy on top.
  9. Hi there, For a few years now I have been in credit card debt with Gap. I had gone through a period paying some of it off to the creditor, Synchrony Bank, then for other reasons became broke and started to neglect my finances. After several months of radio silence with the store and the creditor, I received this email by a third party, TrueAccord, claiming the creditor, LVNV Funding LLC, now has my account and may take legal action. These agencies look legitimate through my own background check but I'm still suspicious they didn't contact me by mail and I also want to be sure they have the correct information on my case. Fortunately, I am now in a position where I can make payments again and would like for this to be a one-time settlement to whom ever holds my account. Can anyone vouch for Trueaccord and LVNV Funding LLC and for those that have been in a similar situation how should I proceed? Any advice will be helpful.
  10. Barclays MC was tossing me beautiful BT offers. Example: 12 months, O% int, 2% fee., etc. I could direct deposit to my bank account. Everything huggy face kissy poo. Second highest limit (even now.) One BT for $5000 PIF. Six months later BT $8000 PIF. Did downgrade from $89 card to free one a year ago. For the last six months current offer: 23% int, 3% fee, no direct deposit, creditor payment only. My data points steady Freddy. Mid-High 700’s. Well under 8.9% overall, all usual advice followed, not credit seeking, only one reporting balance, etc. etc. I realize their is no direct answers, endless data points, yet any random thoughts? Curious. Thank you.
  11. https://www.businessinsider.com/kroger-reverses-visa-credit-card-ban-2019-10?r=US&IR=T
  12. Hello Everyone: First I would like to thank everyone here for all of your assistance. The information in the post here is really appropriated. Today I applied for a credit card account with Chartway Federal Credit Union. The application was approved for $1000.00. I was shocked! But happy. I currently only have students on my report. Chartway only pulled Equifax! My score was 634. I had 14 inquiries. 1 late reporting. No collections, and no public records. I was also approved for an Auto loan! The offer was a max loan of 15000. They would only finance 90% of the vehicles value. That means that I have to put down a down payment. Either way it's good information and a start on the right direction. I'm grateful.
  13. https://www.americanbanker.com/news/citis-credit-card-business-reaches-a-turning-point
  14. I wanted to encourage everyone who is military or veteran or have a friend of the family thats military join Navy Federal Credit Union is giving away credit cards with 10,000 limits. Credit Score as low as 589. Im applying for a few other cards at this time.
  15. Here's my big list of low interest credit cards, sorted by cash advance interest rate (excluding those with a big transaction fee). My starting point was the top 100 credit union list here: outbound link removed. Obviously, this is not the place to look for rewards cards, and a lot of people will prefer 0% balance transfer offers, but some folks may get a benefit. Feel free to reply with updates and additions, especially smaller credit unions that weren't on my starting list. Name Location Type Purchase Rate Cash Advance Rate CA Fee % CA Fee $ Apple Federal Credit Union Fairfax, VA Visa Platinum 5.74 5.74 0% Wright-Patt Credit Union Fairborn, OH Platinum Low Rate 6.25 6.25 0% Security Service Federal Credit Union San Antonio, TX Power MC 6.49 6.49 0 American Airlines Federal Credit Union Fort Worth, TX Visa Platinum 7 7 0% $2 Northwest Federal Credit Union Herndon, VA Visa Platinum 7 7 0% Coastal Federal Credit Union Raleigh, NC Community Visa 7.25 7.25 0% State Employees Credit Union Raleigh, NC Visa 7.75 7.75 0 Eastman Credit Union Kingsport, TN Gold Variable 7.75 7.75 0% First Community Credit Union Chesterfield, MO Visa Platinum 7.9 7.9 0 Chevron Federal Credit Union Oakland, CA 7.99 7.99 0% TDECU Lake Jackson, TX Platinum MC 7.99 7.99 0% Veridian Credit Union Waterloo, IA Visa Platinum 8.15 8.15 0% Logix Federal Credit Union Burbank, CA Platinum MC 8.24 8.24 0 Citizens Equity First Credit Union Peoria, IL MC Platinum 5.25 8.25 0% $1 Members 1st Federal Credit Union Mechanicsburg, PA Visa Platinum Select 8.25 8.25 0% Merck Employees Federal Credit Union Rahway, NJ Visa Platinum 8.28 8.28 0% SchoolsFirst Federal Credit Union Santa Ana, CA 8.5 8.5 0 Digital Federal Credit Union Marlborough, MA Visa Platinum 8.5 8.5 0% UW Credit Union Madison, WI Visa Platinum 8.5 8.5 0% Visions Federal Credit Union Endwell, NY Visa Platinum 8.56 8.56 0% Affinity Federal Credit Union Basking Ridge, NJ Premium Visa 8.6 8.6 0% Star One Credit Union Sunnyvale, CA Visa Platinum 8.75 8.75 0 Tinker Federal Credit Union Oklahoma City, OK Visa Platinum 8.75 8.75 0% Wings Financial Credit Union Apple Valley, MN Visa Platinum 8.9 8.9 0 Bank Fund Staff Federal Credit Union Washington, DC Visa Platinum 8.9 8.9 0 SACU San Antonio, TX Visa Platinum 8.9 8.9 0% Keesler Federal Credit Union Biloxi, MS MC Platinum 8.9 8.9 0% $5 Virginia Credit Union Richmond, VA MasterCard 8.99 8.99 0% Community First Credit Union Appleton, WI Platinum - Either 8.99 8.99 0% $5 General Electric Credit Union Cincinnati, OH Visa Platinum 8.99 8.99 0% Chartway Federal Credit Union Virginia Beach, VA Visa Platinum Rewards 8.99 8.99 0 Redstone Federal Credit Union Huntsville, AL MasterCard Gold 7 9 0 VyStar Credit Union Jacksonville, FL Platinum Visa 9.1 9.1 0% Police and Fire Federal Credit Union Philadelphia, PA 9.15 9.15 0 Sandia Laboratory Federal Credit Union Albuquerque, NM Visa Gold Value 9.25 9.25 0% $5 Ent Federal Credit Union Colorado Springs, CO Visa Platinum Rewards 9.75 9.75 0% $3 PSECU Harrisburg, PA Visa 9.9 9.9 0 OnPoint Community Credit Union Portland, OR Platinum Visa 7.9 9.9 0 GECU El Paso, TX Gold MC 7.9 9.9 0 Atlanta Postal Credit Union Atlanta, GA Visa Platinum 9.99 9.9 0% $5.00 ESL Federal Credit Union Rochester, NY Visa Gold 9.98 9.98 0% Navy Federal Credit Union Vienna, VA MC Platinum 7.99 9.99 0 PenFed Federal Credit Union Alexandria, VA Promise Visa 9.99 9.99 0 First Technology Federal Credit Union Mountain View, CA Visa Platinum 8.99 9.99 0 NEFCU Westbury, NY Visa Platinum 9.99 9.99 0% Summit Credit Union Madison, WI Visa Platinum Preferred Rate 9.99 9.99 0% $3.00 Suncoast Credit Union Tampa, FL 8.9 10.9 0 Tower Federal Credit Union Laurel, MD 10.9 10.9 0% $0.75 Space Coast Credit Union Melbourne, FL Platinum visa 10.99 10.99 0% SECU Credit Union Linthicum, MD Visa Platinum Scorecard 10.99 10.99 0% Travis Credit Union Vacaville, CA Platinum Rewards Visa 8.99 10.99 0% $5 Teachers Credit Union South Bend, IN Visa Platinum 8.49 11.15 0% Redwood Credit Union Santa Rosa, CA Visa Platinum 8.99 11.99 0 Grow Financial Federal Credit Union Tampa, FL Visa Platinum Preferred 6.99 18 0 Service Credit Union Portsmouth, NH Visa Platinum 8.99 8.99 1% APCO Employees Credit Union Birmingham, AL APCO Visa 10.9 10.9 1% America First Credit Union Riverdale, UT Visa Platinum 6.99 6.99 1.50% BECU Tukwila, WA 6.9 6.9 2%
  16. I have a experian 578. I have a equifax 588. I have a transunion 586. Are there any credit cards I can get approved for?
  17. Hi all. If you are looking to apply for the Barclays US Airways card and wish to help a brother or sister out by allowing them to refer you for the card, they will benefit from some bonus miles and you will benefit from 50k in miles. The offer is only good until January 18, 2015 so you would need to apply by then and get approved for the referring person to get the bonus miles. If interested, just PM the next person on the list with your email address as the thread moves along. If you are on the list and get a referral, please post and let people know who is next up for a referral. If someone has received a referral, please move to the next person on the list. I will also update the current order and other can help with that too. So if you apply, please show some love for the following people: Captivated nolanryan FromBadtoGood mizliz1011 funkiehouse If you want to offer a referral to a specific person because they helped you with credit repair or you just want to because you want to, then that's okay too. If you want to keep it private, just do it by PM and don't worry about posting in the thread. If you received the referral email from Barclays and want to be added to the list, please let us know and I will update the order and add you. If you are not ready to apply now, it looks like the card will be around until March 31, 2015. Happy apping!!
  18. i have a friend with a 702 fico score 25k citi 13 yrs AU acct 2.5k cap one 5 yrs AU acct 500 credit one 2 yr old acct Im interested in applying for more unsecured lines of credit but i have been stomped on where to start i don't want a ton of inquiries, nor a ton of denials someone please help a newbie out
  19. Ron1? Anyone have any of these, or want one? BTW, I am not endorsing getting any of these cause I know little to nothing about them. Webster Bank http://www.mybonusrewardscard.com Simmons Bank https://www.simmonsfirst.com/creditcards/apply BB&T http://www.bbt.com/bbtdotcom/banking/credit-cards/bright.page JCB https://www.jcbusa.com/for_consumers/speciality-cards/marukai-premium-jcb-card/ Texans Credit Union https://www.texanscu.org/home/home Love that a Texas concealed handgun license can be used as a primary ID. SNL https://d.comenity.net/snlcard/public/apply/ApplyIntroQC.xhtml Iberia Bank http://www.iberiabank.com/credit-cards-comparison-chart.html Coastal Fed. Credit Union (Big ticket card - interesting!!) https://www.coastal24.com/visa/big-ticket-card.html Congressional Federal CU http://www.congressionalfcu.org/visa/?ekmensel=1ef15cc7_65_66_76_4 Hello Kitty https://www.cardpartner.com/cobrand/app/hello-kitty Linux https://www.cardpartner.com/app/the-linux-foundation Did anyone ever have the Star Wars credit card?
  20. In my second year of graduate school, I let seven credit cards charge off. The charge off dates are all between April and June 2013. I had no income at the time other than student loans and, with everything on my plate, I let them go without much thought to the consequences. I'm now done with school and will finally have an income for the first time in three years starting in mid-September. All of my loans are in good standing as well as nine other revolving accounts with low utilizations and low limits (six of those opened since May 2014). I would appreciate advice on how to approach these charged off accounts. Two of them have since been sold to JDB's, but only one has appeared on my credit report with a collection agency (HSBC account sold to The Bureaus/Stoneleigh Recovery). The other five are still reporting balances with the OCs. I have not spoken with any of the original creditors or collection agencies. My accounts are as follows: B of A: ~ $2500 C/O 6/2013 Collection Agency: Client Services, Inc. B of A: ~ $2500 C/O 6/2013 Collection Agency: Client Services, Inc. Chase: ~$3500 C/O 6/2013 Collection Agency: United Collection Bureau Citicards: ~$2600 C/O 7/2013 Collection Agency: Global Credit Collection Citicards: ~$3400 C/O 6/2013 Collection Agency: Northland Group HSBC: ~$3000 (original), now $3100 C/O 6/2013 HSBC Reporting $0 balance Collection agency: Stoneleigh Recovery Associates Current Creditor: The Bureaus (reporting to CRAs) since 6/2013 Wells Fargo - $1600 C/O 6/2013 Reporting $0 balance Collection Agency: Portfolio Recovery Associates Due to the ethical requirements of my profession, I cannot leave these accounts unpaid and on my credit reports without settling them or, preferably, having them removed entirely. How would you recommend I proceed with these? Other info: TU and Experian Ficos are 615 and 610, respectively. Thanks in advance for any advice!
  21. About 4 years ago, my husband and I pulled our heads out of the sand and realized we had over $80,000 in credit card debt. We signed up with a credit counseling company (Credability, which is now Clearpoint). Some of the accounts were late when we started. We have missed a few payments over the years, but, for the most part, we have paid $1,674 monthly towards these cards. As of today, we owe just over $7,000 and are going to be able to pay them all off in the next few weeks. We both have negative comments on our credit reports for some of these late accounts. What can we do to get them off asap? Thanks!
  22. What type of credit do you need to get approved for an immediate use credit card?
  23. Hi everyone . About 6 years ago I remember seeing a bank who issued credit cards to Californians through Fifth Third Bank (CA is not in Fifth Third's service area). I forgot the name of that bank and if anyone knows it please let me know. Thanks in advance
  24. I know there are a lot of you who have either 1 or more of these cards. I believe that basically, from what I can read, they all tie in to BofA. So to my understanding, they are all underwritten by BofA, correct? Also, I realize that they all have their different benefits, but can anyone chime in on which may be a "better" choice to apply for? I don't see where there is a banking/investment account requirement for the Merill+, is that correct? Thanks CBers!
  25. Seeking opinions and advice on last steps to do before 1st App Spree, as well as cards I may not be thinking of but should apply for (by the way AMEX may still have me BL). Pulled myfico.com scores tonite, EQ 691, TU 716, EX 706. Need to correct address on TU, (showing my address as that of Primary on accounts I am AU), on 10/31 EX will update my dispute on 10yo CA, and my TU inq's will be gone by Tuesday 10/28. My file is somewhat thin, AAOA is 4 to 5 yrs depending on CRB, I have personal CLs of $5k, $4k, $3k x2, $700, $600, $500, and $425 reporting, along with my Student loans. Also have 6 AU accounts between $3800 and $1k. After all the success stories re: DC, I am considering applying for the Premier and Professional, any opinion on this? Also, considering the Dillards AMEX, if they are still accepting apps after 11/1. Obviously if my Chase prequals are there, I will app for those. Also going after a Personal and Business US Airways card from Barclay's. Anything that you might recommend is greatly appreciated. Thanks Again.
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