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JMcDoogle
A Serious Scholar

Registered: 07/07/09
Posts: 1,495
Loc: Nunavut
Last seen: 3 years, 10 months
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012558 - 10/22/13 08:33 AM (10 years, 4 months ago) |
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Amazon has a few different options to go with -
Some have good backers, some not. Make sure you check feedback first.
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The ego is nothing other than the focus of conscious attention.
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badchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
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Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
#19012587 - 10/22/13 08:42 AM (10 years, 4 months ago) |
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Quote:
Prisoner#1 said:
that much... if you apply for and are rejected a dozen times and your score was 600, it'll drop to the 300s, one card wont make much difference, several cards will
I think it depends (in part) on how they "pull" your score. Last time I got a detailed credit report from transunion, there were 48 "credit queries" on there over the past year. So I called them up with a big "wtf?", and they told me that EVERY TIME I get a "pre-approved" promotional offer in the mail, its because my credit was pulled to give me the pre-approval. These "promotional inquiries" don't affect your score.
The last time I was car shopping, they performed a "hard pull" (lol) on my credit to get a car. All three agencies reported error code "08 too many inquiries in the last 12 months", but I still scored above 770 for all three.
-------------------- ...the whole experience is (and is as) a profound piece of knowledge. It is an indellible experience; it is forever known. I have known myself in a way I doubt I would have ever occurred except as it did. Smith, P. Bull. Menninger Clinic (1959) 23:20-27; p. 27. ...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely. Osmond, H. Annals, NY Acad Science (1957) 66:418-434; p.436
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Patlal
You ask too many questions



Registered: 10/09/10
Posts: 44,812
Loc: Ottawa
Last seen: 13 hours, 35 minutes
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Re: Looking for an easy to get credit card.... [Re: JMcDoogle]
#19012596 - 10/22/13 08:45 AM (10 years, 4 months ago) |
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Remember OP, Bad credit is your financial reputation to the world.
If you intend to get a credit card be responsible with it. Too many kids fuck up their financial future early on because of these cards.
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fapjack
Title



Registered: 07/26/07
Posts: 16,574
Loc: Central New Jersey
Last seen: 3 years, 11 months
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Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
#19012738 - 10/22/13 09:29 AM (10 years, 4 months ago) |
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Quote:
Prisoner#1 said: Orchard Bank
Worst company I've ever dealt with, though I didn't send them any money after maxing out their $200 limit (charged me $100 just to get the card.) Credit cards suck, try living within your means and you will have a lot less issues.
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: fapjack]
#19012981 - 10/22/13 10:38 AM (10 years, 4 months ago) |
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Quote:
Patlal said: Remember OP, Bad credit is your financial reputation to the world.
If you intend to get a credit card be responsible with it. Too many kids fuck up their financial future early on because of these cards.
Quote:
fapjack said:
Quote:
Prisoner#1 said: Orchard Bank
Worst company I've ever dealt with, though I didn't send them any money after maxing out their $200 limit (charged me $100 just to get the card.) Credit cards suck, try living within your means and you will have a lot less issues.
You read the OP, right? #1, I'm no kid, I'm in my 30s #2 I live within my means. I'd like to be able to go and just buy a car one day without bullshit. Credit cards are a "free" way to build credit rather than taking out personal loans and having to pay interest and shit.
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Herbologist
Grrratata



Registered: 05/09/10
Posts: 7,471
Loc: Casa Bonita
Last seen: 3 years, 2 months
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012998 - 10/22/13 10:43 AM (10 years, 4 months ago) |
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I just got one through chase bank. its just a freedom card with $500 limit.
pretty good starting card, im happy with it
-------------------- Shroomery Law: Don't piss off the leftist mods & their friends!
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