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Bridgetown Botanicals Shop: Bridgetown Botanicals

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Offlineblackhawk
Newton's Law of Majesticity
I'm a teapot


Registered: 04/02/11
Posts: 8,465
Loc: Where Jimmies are Rustled
Last seen: 21 minutes, 32 seconds
Re: Building Credit [Re: trendal]
    #23877328 - 11/29/16 06:03 AM (7 years, 2 months ago)

Quote:

trendal said:
Quote:

blackhawk said:
Quote:

trendal said:
Your cc company will probably give you back all of your security deposit




LOL

I never got mine back. I tried a couple of times and they won't do it. I've read up on other people's reports on the refundable deposit and it's more likely to get anal fisted by a unicorn
Best they'll do is waive the annual fee or reduce your interest rates. This is with capital one though, I don't know how the other companies will work.

Good thing I only put down 50$.




My first card was a secured card from Capital One...they wanted a $75 security deposit for a $1500 credit limit. About a year after I got the card they switched me over to a Gold card with the same credit limit and sent me the $75 deposit back in a cheque.



Really? How long ago was that?

I put down 50$ and they gave me a $201 limit. It's been maybe 3 and a half years now since I got that secured card and they've only increased it up to $750. Still haven't gotten back that deposit


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InvisibletrendalM
J♠
Male User Gallery


Registered: 04/17/01
Posts: 20,815
Loc: Ontario, Canada Flag
Re: Building Credit [Re: blackhawk]
    #23877341 - 11/29/16 06:14 AM (7 years, 2 months ago)

Quote:

blackhawk said:
Really? How long ago was that?

I put down 50$ and they gave me a $201 limit. It's been maybe 3 and a half years now since I got that secured card and they've only increased it up to $750. Still haven't gotten back that deposit




About two years ago, a year after I got the card. My age may have something to do with it, I was 33.


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Once, men turned their thinking over to machines in the hope that this would set them free.
But that only permitted other men with machines to enslave them.


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OfflineKonyap

Registered: 06/30/07
Posts: 33,945
Loc: Planet Piss
Last seen: 4 years, 2 months
Re: Building Credit [Re: Prisoner#1]
    #23877359 - 11/29/16 06:32 AM (7 years, 2 months ago)

Quote:

Prisoner#1 said:
Quote:

ProoN said:
Random question -- I'm 28, live on my own, work, pay rent and whatever bills I have, etc, but have 0 credit to my name.

I've signed up for a "Secured Card" with Discover, hoping that goes through. It's basically a debit card but will actually help to build credit.





with secured cards always pay them off, the interest rate is typically 24.99%
monthly which is the same a pawnshop charges, that comes out to over 300% per
year, keep this card for 2 years and then start looking for lower interest
rates. after 1 year the discover card will have a higher limit but your interest
rate will never be reduced





jeez

what's the point of a credit card then
if it just makes everything you buy 25% more expensive


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,372
Re: Building Credit [Re: Konyap]
    #23877585 - 11/29/16 08:52 AM (7 years, 2 months ago)

Quote:

Konyap said:


jeez

what's the point of a credit card then
if it just makes everything you buy 25% more expensive




Simplicity. It's a lot easier than cash, faster, and can be used online.

For many, having immediate access to money outweighs the extra cost of the interest. However, if you pay in full each month, no interest accrues. 

For me, it makes budgeting MUCH easier, and gets me 1% cash back on everything I spend.


--------------------
...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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InvisibleLSDollar
Trans-female

Registered: 02/09/15
Posts: 2,361
Loc: Up Up and Away Flag
Re: Building Credit [Re: badchad]
    #23877761 - 11/29/16 10:06 AM (7 years, 2 months ago)

I got my first CC about a year and 4-5 months ago. They gave me unsecured 300$ starting. Every couple months they put it up more. 100% on time min payment, and try not to use more than 50%. Secured is no fun but its a start.

Since I got my first CC, my score is just about 700, I have 4 cards open, 3800$ on two for one accout, and 4000$ on a different account with 2 other ccs. I don't go over 30-50% used


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