Rasheeday Posted November 20, 2014 Share Posted November 20, 2014 Can someone elaborated what is so bad about this card. I am a newbie so I may not fully understand but the only problem I see is the annual fee charged monthly and the high APR. It may not be ideal but it is one of few options available tome with a credit score of 550 and with a bankruptcy (now removed but there whenI was approved) and a delinquency judgement from a repossed auto unsecured. As long as you don't carry a balance and pay on time, what's the problem? To be honest I was looking for a pre-paid card or something with a credit builder program that reports to all 3 bureaus monthly but those don't seem to exist anymore. I think of the annual fee charged monthly as one of those fee based credit builders. Sure, I could get secured cards with lower fees but first you have to come up with the money and 2 years ago when I first applied money was extremely tight. I'd rather use the money to pay for delete some of the numerous small collection accounts I had then put it as a security deposit. If there is something more I should consider regarding what's wrong with the card please share. Thanks Quote Link to comment Share on other sites More sharing options...
Guest Posted November 23, 2014 Share Posted November 23, 2014 Can someone elaborated what is so bad about this card. I am a newbie so I may not fully understand but the only problem I see is the annual fee charged monthly and the high APR. It may not be ideal but it is one of few options available tome with a credit score of 550 and with a bankruptcy (now removed but there whenI was approved) and a delinquency judgement from a repossed auto unsecured. As long as you don't carry a balance and pay on time, what's the problem? To be honest I was looking for a pre-paid card or something with a credit builder program that reports to all 3 bureaus monthly but those don't seem to exist anymore. I think of the annual fee charged monthly as one of those fee based credit builders. Sure, I could get secured cards with lower fees but first you have to come up with the money and 2 years ago when I first applied money was extremely tight. I'd rather use the money to pay for delete some of the numerous small collection accounts I had then put it as a security deposit. If there is something more I should consider regarding what's wrong with the card please share. ThanksWhich card? Quote Link to comment Share on other sites More sharing options...
Rlewis21 Posted December 12, 2014 Share Posted December 12, 2014 Im in need of a Link to help clean my credit up.. anyone?? Quote Link to comment Share on other sites More sharing options...
Admin breeze Posted December 12, 2014 Admin Share Posted December 12, 2014 http://www,creditboards.com Quote Link to comment Share on other sites More sharing options...
maht87 Posted July 21, 2018 Share Posted July 21, 2018 This is awesome. Great post! Quote Link to comment Share on other sites More sharing options...
Lionheart consulting Posted August 19, 2020 Share Posted August 19, 2020 This is absolutely amazing! I cannot wait to dive into this!Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
Jakay26 Posted October 28, 2020 Share Posted October 28, 2020 Thanks! Quote Link to comment Share on other sites More sharing options...
philcrook Posted April 8, 2021 Share Posted April 8, 2021 This is perfect!! Thank you, on behalf of all of us Quote Link to comment Share on other sites More sharing options...
marioc424 Posted January 10 Share Posted January 10 This is perfect!! Thank you, on behalf of all of usLooking to repair me and wife’s credit. We have some collections and some inquiries we would like to remove, any help or ideas from anyone? Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
marioc424 Posted January 10 Share Posted January 10 Im in need of a Link to help clean my credit up.. anyone??Did you find the link because I’m in the need also. Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
hegemony Posted January 11 Share Posted January 11 On 1/10/2022 at 12:19 AM, marioc424 said: Did you find the link because I’m in the need also. Sent from my iPhone using Tapatalk https://creditboards.com/forums/index.php?/forum/2-credit-forum/ Quote Link to comment Share on other sites More sharing options...
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