anyone ever had the dreaded Applied Bank Credit card?
612128
IT IS QUITE POSSIBLY THE WORST OF ALL.  HOWEVER.  THEY DO GIVE A STARTING LIMIT OF ABOUT $500.00 AND CHARGE ABOUT $180 TO GET IT GOING SO YOU END UP WITH ABOUT $$320 IN ACTUAL CREDIT.  \n\nTHE CREDIT INCREASES ARE USUALLY ANYWHERE FROM $200 TO $400 A FEW TIMES A YEAR.  BE CAREFUL BECAUSE THEY CHARGE YOU $100 TO INCREASE YOUR CREDIT AND THEY TREAT IT AS A CASH ADVANCE SO YOU PAY A PREMIUM INTEREST RATE FOR THAT SERVICE.\n\nI WOULD STEER CLEAR OF IT IF POSSIBLE.\n\nTRY FOR A CAPITOL ONE CARD.  LOWER CREDIT LIMIT BUT HARDLY ANY FEES AND A DECENT COMPANY TO DO BUSINESS WITH.\n\nYOU COULD ALSO DO WHAT THE GUY ABOVE TALKED ABOUT WHIT THE CD THING BUT THAT TAKES MONEY UP FRONT AND THERE IS NO GUARANTEE THAT YOU WILL GET A LOAN EVEN WITH THE MONEY FOR COLLATERAL.\n\nI WOULD ALSO ADVISE TO JUST STEER CLEAR OF CREDIT CARDS, IT IS AN EVIL WEB TO GET TANGLED UP IN.\n\nGOOD LUCK!
809811
Same thing happened to my daughter with JC Penneys.  You don't have enough credit history for a store card to give you an account.  Try applying to your bank for a regular VISA card.  It is a bit easier because you already have an account with your bank and the interest rate will be lower than a store card.  (But try to not carry a balance, okay.)  \nYour check card is just that, inspite of the VISA logo.  The funds come directly out of your checking account, so there is no bill to pay, so no history to track.
1109128
How are you coming to the conclusion that you have average credit?  Four places have turned you down.  That's hardly average!  You are being denied because your credit is well below average, especially given the ones that turned you down.\n\nEach time you get another credit card, your credit score drops.  Each time you apply for another one, your score drops.\n\nMost financial advisors recommend that you carrry two general use credit cards (Visa, MC or Discover) and no more than one oil company and one retail store card IF you are a regular customer.  Anything more than that is going to hurt your credit rating even more.
393997
Dont leave your card in the ATM Like I did and had to cancel card and wait 2 weeks for a new one. OUCH\nDo not over spend what you have in your account. They will charge you overdraft fees. Thats it! Make sure you get overdraft protection too.
4235
I think that you could just notify the bank/cc company of your interest, after all, I hear that they have even sent credit card offers to dogs, babies and dead people.  \n     Getting the credit isn't the problem, paying it off and not becoming a slave to it is!  Been there, done that, and never again! Been three years debt FREE!!!\n CASH is King, debt is dumb and the paid off home mortage is the NEW status symbol of wealth!!!!
209577
Check out their website www.dinersclub.com. It looks like they are trying to re-invent themselves. They have had problems with wide acceptance and high fees. It looks like they are now co-branding with MasterCard for wider acceptance. Annual fees are still high. It is a charge card like the original Amex, not a credit card.
1183352
I agree somewhat with the other answers and have been in the same situation. Credit card laws vary by state but they are 'unsecured loans' which mean you didn't have to put up anything to get the loan. Most credit card issued by an out of state bank can't do nothing but screw up your credit, which you need to do without. If you can't afford it, save up and pay cash and get a better deal. If your credit card is issued in the state you live in, they may can take you to court. Credit ratings are used against you from day one. If you pay off a loan or credit card early, that goes against you too. The banks set the ratings and don't get the extra interest if you pay early. It's one of the biggest scams in America. If you're bunghole deep in dept and scrape to keep making the minimum payments - you've got great credit....Change your phone number so they'll quit calling and "Give them the Bone" !!
627948
Fico is not the only thing Amex considers when looking at an application. Do you have any lates, collections, Public records, bankruptcy? With no previous history with Amex the lowest I have seen thus far for approval was 640 with a 3 yr old charge off no other derogatories.  If you have already established a positive payment history with Amex like have the green or gold charge cards, it is possible to get "more desired" cards like Blue, Clear, etc. with a lessor Fico. Just so you know, Amex pulls Trans Union and Equifax. If you are between 640 & 700 with no negs in the last couple years you may have a chance at their Delta, Hilton, or Starwood as the underwriting for these are more relaxed. Then one can always call and convert to a card of their choice. Good Luck! I Love AMEX! They treat their customers very well.
1004768
YEP I DID THE SAME THING. U CAN SIGN UP. I HAVE IST FINANCIAL BANK USA VISA CARD. ITS GREAT NO INTEREST RATE EVER IF YOU DONT CHARGE MORE THAT 250. IVE HAD IT FO 3 YEARS AND I LOVE IT
910033
Oh YES!\n1) When you ring up you press several numbers to find the right Dept.\n2) When you've finally got through, you're put on hold and have to endure their monotonous music for half an hour along with a message saying 'thank you for holding, your presently in a queue blah blah blah every 90 seconds!!\n3) When an adviser is available you've been transferred to the wrong Dept.\n4) When you reach the correct Dept. they put you on hold to deal with your query, therefore you have to endure another session of their ridiculous music\n5) 8/10 The problem still isn't solved so you get transferred to someone else who can help - more music\n6) Your pen is running out of ink after you've just drawn a lovely pattern after waiting and being put on hold for so long.\n7) They in turn put you on hold to deal with your query - it's music time again!!!!\n8) By this time you're fed up and pisd off and will accept anything for an answer just to get off the phone !!!!!\n9) Another number to ring - forget it !!!!!  You've just endured 1-8 and don't want another try!!!
1050357
Can hurt as every time you open or attempt to open a credit card there is a hit on your credit record and too many hits can be a bad thing.  I've also heard that constant rolling of credit doesn't look too good to prospective lenders as it gives a shady connotation to your ability to pay what you owe.
932287
I was in the same predicament and did the same thing in terms of leaving money on direct deposit for the minimum payment.  I resolved this by applying for a 0% credit card (it switches to 9% after 6 months). I actually wrote the a credit card cheque to the UK credit card to transfer the balance over to Canada.  I then paid it off in full due to a lucky windfall on my outstanding UK taxes. Still, the credit card cheque(from the Canadian low-balance card) to the UK bank worked - it just came up as a bill on my visa...You'd have to check into fees (could be higher for balance transfer) - but it is much less stressful to manage the debt here in Canada at a relatively low rate. You will start paying horrible interest and carrying charges to the UK bank, so at least try and move the balance to a 0% card for 6 months over here...I am told that Equifax, etc are increasingly on the same network - so it isn't worth gambling with your credit rating...
1123389
its called a cash advance, they incure really high interst rates so be careful, you first have to set up a pin number with you credit card first
91190
I hate them.  I have never had any problem with paying my bills - I just don't like them because they are rediculous.  I have cards with 10,000 limits on them - those I can see getting credit transfer deals in the mail.  I can actually do something with a $10,000 credit line.  But capital one... I only have a $500 limit - Like to keep small limit card for use on the internet.  Well lately I have been getting a TON of transfer deals from them... Like ya... I am going to go all out of my way to transfer a measly $500 onto thier card.  \n\nWhat a waste of money on thier marketing!! Idiots
952343
When i apply for a Macy's Credit Card, they ask me for that too!! It sucks man!! :(
548067
I know a guy who did, several times, and it came back to bite him in the arrse, very very dangerous and extremely stupid...it was because of the credit card, thats how the feds nailed him!
695398
I got an increase about a year after I received my capital one card.  And the sad thing is you can't just call and ask for one because they don't do it.  So all you have to do is keep paying on time.  Keep your balance relatively medium-ish - eventually they will increase it without you knowing.  The plus side to waiting is that you DON't hav the higher limit.  LOL.