I did. The person in the online chat said she would not be able to receive them, and the guy on the phone essentially said that even though it said $175 when I signed up that it was not guaranteed and "depends" which sounds like a load of crap.

I've always heard a lot of negative things about BOA, especially their customer service... Guess it's true

Somehow got declined on the $200/$500 MLB card offer. Have 772 FICO. Don't really understand that given what I've read about it on forums.

call and ask for reconsideration

Do you have a bank account with them? I've had a checking account with them for over 10 years. I think that has had a positive impact on me getting approved for all of their cards I applied for and the 10% bonus is great.

Cliff notes:

Ruined my credit over the course of 3-4 years between 08-12. Partly my fault due to stupidity, partially not my fault cause govt is corrupt scumbags.

I now have no debt, no loans, no cc's, and a a pretty good amount of money in the bank.

How can I build my credit score (currently 630ish) if I cannot get approved for a credit card and have no payments to make?

It seems like secured credit card is the only option, but I get cash back with my debt card so it seems silly to actively lose money by going that route. I suppose I can put a large amount for the deposit and only spend like $1 a month to minimize cash back losses, but would that be effective in helping improve my credit enough?

It is very doubtful I can get someone to add me as an authorized spender on their account.

Please halp.

The turn around from secured cc to being able to get unsecured is pretty quick from what i have read(and 630 in yhe grand scheme isnt a huge hole).

1. Get a secured cc
2. Put small amount of your spend on it, with rest getting debit rewards
3. Pay in full
4. Wait


You basically have the right idea.

I just got an offer for a discover cash back card, I actually opened the letter this time and took a look. They're offering me 11.5% Apr after the introductory 0%apr period, is that good?

11.5 is probably estimated based off of what they think your credit wkrthiness is, it is by no means what you will get. Once you officially apply they will tell you your true APR(there is probably a cap on the apr on the thing they sent). In the grand scheme of things 11.5 is good. 0 intro is great onviously.

If apr is a selling point of your card you should be asking yourself if a credit card is a good choice for you.

I have zero idea what the apr of any of my cards are. I do try to have at least 1 card with 0 intro apr active just in case of a huge emergency above my liquid cash available.

I have several cards in good standing, just curious if 11.5 is considered a metric of good credit. I have a score in the 750s, just wondering what the best aprs are out there for someone with a good credit history

11.5 is really good in that case. I think 15-20 is standard

As point of reference I have two Chase Freedoms, one is @ 7.99 % the other one @ 8.99%

Is there a massive benefit to putting down a bigger deposit or will the minimum or slightly higher than the minimum suffice?

Maybe i just dont follow apr's, i never check them on apps. I only care if there is an intro 0 period.

Maybe 11.5 isnt that great

Edit: my freedom is at 24 and sapphire at 16. Lol. But i got both of these with like a 720 CS and am now at like 760-770. 8 and 9 seem insanely good

I dont believe that matters, just dont have more than 10% of whatever your "limit" is on your card at any given time.

There are gonna be more people itt with a better gradp of your situation though.

There are 3 main ways that I know of:

1) Secured Credit Card
2) Authorized User where SSN is requested
3) Shopping Cart Trick (this is where you get a store card w/o a credit check link)

If you have someone with good credit who will open an AU card for you that is probably the best and easiest. If not, go for shopping cart trick (maybe more than once to get multiple accounts reporting paid as agreed) as no deposit required. Secured credit would be your last option.

You may find that with ~650 you can get approved for 'starter' credit cards aimed at people with mediocre credit, like the BOA Better Balance Rewards card.

Would there be an increased benefit for doing more than one of these options?

More accounts reporting in good standing couldn't hurt. Just understand that if you have derogatory marks on your credit report you will have a hard time breaking 700 anyway until those are settled or dropped after 7 years from the last activity.

If you know someone with good credit you can ask them to add you and they can keep the AU card in a drawer somewhere - you never even need to see it. If it's not an option try the store card route. There are actually some really nice cashback offers on a few of the comenity and synchrony store cards

https://saverocity.com/pfdigest/bana...ice-promotion/
http://milesabound.com/banana-republ...eps-on-giving/
https://saverocity.com/pfdigest/at-l...s-credit-card/

etc

With those scores, I'd apply for the Walmart store card and a capital one. The Walmart will give you a free monthly FICO score and potential to grow the credit line later. Cap1 is pretty lax and will also grow decently down the line, and if kept in good standing will likely convert to a no annual fee quicksilver in 6 months or a year.

Anyone know how long SPG points take to post after statement close? The 35K posted one or two days after I hit the $3K spend before my first statement, so I'm hoping it will be as soon as the statement hits.

I need 36K for three nights in San Fransisco for a trip in May. Should I just go ahead and book it with cash+points and then when the other points hit the hotel can adjust the payment to points only?

Mine post a few days to a week after statement close.

Probably worth the wait IMO.

When I had **** credit Capital One was the first nonsecured card I was accepted for. Definitely try them. I was at roughly the same level you are at now. Maybe a bit lower. With a released tax lien on my credit.

Thanks, ended up getting approved for Capital one platinum card with a 1k limit. Will report back with progress. Appreciate everyone elses help and advice.

Just got mail informing me they are nerfing the Citi Forward card. From 5% cashback at Restaurants Bars and Amazon to 2% cashback at those places. Going from my most-used card to being basically unusable after June 4 when the changes take place.

Found an article about it online: http://frequentmiler.boardingarea.co...-forward-card/

I recently paid off all my revolving CC debt (about $11k). All my limits were pretty much maxed over the holidays as I was expecting a nice bonus. The final card reported yesterday, my Credit Karma will update tomorrow or the next day. My score will be at its highest (bout 650 for the past year, dipped to 605 in Feb, currently at 665, should be over 700 by end of the week)

My revolving limits add up to about 14k, and I'd like to increase that significantly to keep utilization low.

Can I apply for new cards right away, or should I wait to have a couple months of history over 700?

tl;dr: What I'm asking is: do creditors look at your score in recent past and dock you for volatility, or are they just taking the point estimate at the time of your application?