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Found 56 results

  1. https://www.businessinsider.com/kroger-reverses-visa-credit-card-ban-2019-10?r=US&IR=T
  2. 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.
  3. https://www.americanbanker.com/news/citis-credit-card-business-reaches-a-turning-point
  4. 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.
  5. 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%
  6. 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?
  7. 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!!
  8. 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
  9. 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?
  10. 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!
  11. 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!
  12. What type of credit do you need to get approved for an immediate use credit card?
  13. 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
  14. 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!
  15. 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.
  16. Hi CB! Hope everyone is enjoying their week. I am wondering what opinions are out there on the Citi Prestige vs. Citi AA Executive (and for that matter feel free to chime in, as I am sure you will, regarding your opinions on other Premier Cards, i.e. CSP, SPG, etc). The reason I ask is that I am seeing my FAKO's improve, and being that I just payed for a Tri Report on myFICO on 10/26, I feel as though on 11/1 or whenever I pay again, real FICO's will be higher as well). That being said, if I am considering cards like CSP (just showed up on my Chase Pre Approvals Page), Citi Prestige, Citi AA Executive (AF's considered), which card would you choose? (I am considering (will try) accumulating approx 250k AA points between sign up bonuses and spend req.'s along with 100k-110k UR Points if I can get the Chase Ink Plus all during upcoming app spree). Hope everyone has a great nite!! Thanks
  17. Up late again reading Creditboards and have a question. I am going to do an app spree in November and want to get a few Chase cards. I am pre-approved currently for their Freedom and Slate, but I also want to app for their Ink w/ the 70k bonus. Yet I don't wanna screw up my potential pre-approvals either, any advice?
  18. Hi Everyone: After reading a lot about Synchrony, as well as other CC's and multiple apps, in various post on CB, I am hoping to get opinions and feedback to a question(s). Do you think Synchrony just chooses to be liberal with Lowe's? I know that there is one # for Recon on ALL Synchrony CC's. And I also know from reading (and personal experience), it seems as though if you app for more than one Synchrony card and call to recon on all of them, Lowe's end up getting the largest CLI. I wonder if this is because most of us see the success others have had and call on that card 1st? Or is it that the Credit Analyst have an extremely liberal underwriting program for Lowe's versus the other cards? Just wondering because as we all know, it is best to plan for a successful app spree than just to app blindly, so to speak Thanks in advance for all your help! Hope everyone has a GREAT WEEK!!!
  19. On the rebuilding path like almost everyone else on the site.. I currently have a Cap 1 Platinum and Cap ! Quicksilver 1 as of July 2014. Looking to add a third easy card, I already tried Barclays, got denied, tried Discover It, denied. I don't want to keep burning inqs, any suggestions on easy cards like Cap 1? My FICO on TU is 602, EQ is 596, EX 564, should I just go with a Wells Fargo Secured and wait out a year to apply for some of the premium cards?
  20. Just trying to get opinions regarding New Accounts. After recently completing an App Spree for DW, she now has 14 new accounts (Yes I know, I am watching for AA!). We always PIF with exceptions of 0% Special Financing Options on large Purchases. However, since these are all new accounts, that have yet to close on a statement period, my question is should we PIF even though there are no min payments due or should I allow those balances to report, then PIF before close of next billing cycle? Any and all experiences and opinions are appreciated. Thanks
  21. Even though closing a credit account goes against every fiber of my being, I finally pulled the trigger and closed one. Fingerhut has had me with a CL of $235 dollars since 2005. No matter what I did I couldn't get a CLI. They did send something one time saying if I used credit up to $400 dollars that my CL would stay at that level. (Nice way to make someone spend money on high priced junk). But I didn't bite. My avg CL is over $16,000 with over 25 accounts opened so I figured what the heck. Called in and they asked why I was closing it. Said the CL wasn't high enough. The CSR said they review CR's 10 times a year and CLI automatically. I said that's funny because my scores are from 795 to 815 and I've never had one. So it's closed and I feel pretty good about it. I only bought 2 items in 10 years so I'm sure that has something to do with never getting a CLI also. On to bigger and better things I guess
  22. Hey CBers hope you are all enjoying your weekend! I have a question regarding BTs and PIF. I normally PIF, sometimes we carry a small balance or balance on a 0 percent special interest. However, I know that most of the advice on this site says to PIF, especially on cards that like to see that, Discover and Barclays in particular, which apply to our personal cc portfolio. My question is, since I also see post on CB saying that users do BTs for the 0 interest specials for 15 or 18 months, are you folks allowing these BTs to sit? If so how do the CC companies view this, since they like to see PIF monthly? My reason for asking is that we have a few BTs to do, one of $11k that we want to PIF, one of $2400 that we want to PIF and one of $3000 that has it's 0 interest special ending in January, since I recently completed an app Spree for DW, I could BT all of it and spread it out over a few cards and PIF within 1st billing cycle. Also, is doing a BT and then PIF within 1st billing cycle also viewed favorably by CC companies (like paying your monthly usage before billing cycle closes)? Just trying to get a strategy down, have been reading and learning from CB for about a year, so I am always trying to improve! Thanks for all your help!
  23. Just wondering if anyone has ever app'd with BofA and had it take the full 30 days that they say it may take. Just app'd with them on the 1st day of the app spree for DW (8/30) and they still say it is under review. Wondering if she should call and try talking to the UW dept, any suggestions? Thanks, BD
  24. Hey CBers! Back 2x in same day for more advice. Since I have just completed the App Spree for DW. I am going to continue with mine after I complete B*. My question is, I just helped her get a couple of 5 digit approvals, but I am worried if I ad myself as an AU they will affect the potential of me getting approved for certain cards during my App Spree since they will be recently opened and also bring down my AAOA. Any advice? I kinda want to ad them since "Higher Limits beget Higher Limits!" Thanks, BD
  25. Hey fellow Canucks, We need some more activity in this forum! I have to admit i am pretty green with envy at the credit card offers Americans get. They have such great bonus offers and so much selection,benefits, you name it! One thing that interests me is the free FICO scores more and more cards seem to be giving. Canada doesn't have anyone that does that do we?! Also, Americans have so many options for 3rd party sites that pull, most times for free! I wish those sites could be Canadian equipped, or someone made one for us. If anyone on here knows anything, could you maybe list some great cards for us?

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