Money Management And Budgeting

Applying for New Credit Card?

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BROWNSUGAR
Guest

Subject: WAMU CREDIT

Tue Dec 04, 2007 12:06 am

I RECENTLY OBTAINED A WAMU CARD AND I AM TRULY IMRPRESSED WITH WHAT THEY OFFER. I ALSO HAVE A CAPTIAL ONE TWO AS A MATTER OF FACT . THESE TWO CARD TOGETHER DO NOT EXCEED THE LIMIT THAT WAMU HAS PROVIDED. ME WITH. I PLAN TO USE THIS CARD AND PAY MY ACCOUNT IN A TIMLEY MANNER SO THAT THEY CAN INCRESASE MY LIMTED ASAP!!!

goodnatured

Joined: 03 Nov 2007
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Posts: 2591

4313 Magic Points

Tue Dec 04, 2007 1:21 am

Hi Brownsugar, good to have you here, I hope you will register and become part of our community. I have interacted with you quite a bit when I first went to the debt forum, you were so helpful to me, (I am hoping this is the same brownsugar).
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

desiree15

Joined: 10 Nov 2007
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Posts: 42

1082 Magic Points

Tue Dec 04, 2007 2:07 am

Hey Brownsugar, good to have you here for sure. I havnet been on the debt forum I find this forum very educational and fun. the members here are really upbeat and laid back and share their stories. I'm glad that you like the WAMU i haven't applied yet. I was bad, and bought a GPS system and took up most of my credit limit. it was worth it though...i just started driving and my sense of direction is really bad. My sister got lost 5 minutes from her house if you guys can believe that and it helped us get out of a jam. we went on a back country road to get to her house and well...that back country road didn't lead to where it needed to. it landed us in a corn field and twisted and turned us around. tahnk goodness for GPS! i say its priceless, well not exactly i do have to pay it off :0

SARA BUXKEMPER
Guest

Subject: APPLICATION

Wed Dec 26, 2007 3:24 am

WANT TO APPLY FOR A CREDIT CARD

SARA BUXKEMPER
Guest

Subject: APPLICATION

Wed Dec 26, 2007 3:26 am

WANT TO APPLY FOR CREDIT CARD

Laura

Joined: 21 Jun 2007
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Posts: 1409

34314 Magic Points

Wed Dec 26, 2007 4:49 am

Hi Sara,

This is a forum for credit repair discussions. This is definitely not the site that you are looking for.
_________________
Regards,
Laura.

goodnatured

Joined: 03 Nov 2007
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Posts: 2591

4313 Magic Points

Sat Dec 29, 2007 1:22 pm

Sara, you will need to visit the company webpage that you want to apply for the card, there are many out there, you just have to put the information into a search engine and many will come up, make sure that you look at the fine print, know about the intrest rate, does it stay where it is or does it go up, etc. You need to look at all the information so that you can make an informed decision. goodluck hope you find what you need.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
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Posts: 1999

10339 Magic Points

Tue Jul 29, 2008 3:42 pm

please be sure to pay attentikon to all the fine print before signng on with any ompany. I also would not opt for one with any type of annual fee. There are too many cards out there that don't require any annual fee at all. If a card offers a low interest rate be sure to look and see if there is time period that it would expire in. There is lots to be wary of in the credit card world. You will be fine if you dfo your research.

anthony

anthony

Joined: 31 Jul 2006
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Posts: 381

9628 Magic Points

Thu Jul 31, 2008 1:02 pm

Before applying for a credit card Sara, you must go through the guidelines and the terms and conditions in the application form. You should also find out whether you are comfortable with the annual charges associated with the credit cards and the credit limit that the credit card company will be offering you. Moreover, as fireyone said, you should also look at the interest charges associated with the card. One should perform an extensive research on different credit cards before applying for one.
_________________
Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.

fireyone

Joined: 26 Feb 2008
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Posts: 1999

10339 Magic Points

Thu Jul 31, 2008 1:10 pm

Couldn't have said it better myself Anthony. Good post.

erb1953

Joined: 31 Dec 2007
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Posts: 564

1133 Magic Points

Fri Aug 01, 2008 3:01 am

Thing with credit cards is there is so much fine print, along with all the things mentioned above, know the reprocutions of being late, what are the fees? This is where I got in trouble. Got late and then the late fees took the card of the limit, the fees just added up and added up until it reach like four times the actual card value. It ended up with a collection agency.

I never thought this would happen to me, but it did. Just becareful and read all the information.

Lorri

Joined: 15 Jul 2008
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Posts: 209

507 Magic Points

Sun Aug 03, 2008 2:41 am

I have had the same exact thing happen erb1953 and it turned me off of credit cards for good. Some people have no problem with a credit card and I used to be so good and faithful about payments. But, its like when you start having money issues and you have that available credit there, it is just too easy to use to temporarily fix a problem. Nope, learned my lesson the hard way and am still paying for it.

But, I am not saying that people should not have credit cards. Most people should, but be really sure when you incur new debt that you are prepared to always pay it back on time, right amount, etc. Its that interest that seems to get ya. And the late charges and over the limit charges!

erb1953

Joined: 31 Dec 2007
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Posts: 564

1133 Magic Points

Mon Aug 04, 2008 2:43 am

I have since paid them off, after the collection agency reported me and lowered more score. I don't mess with them at all now either. If I need it, then I will save up and buy it.

Lorri

Joined: 15 Jul 2008
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Posts: 209

507 Magic Points

Mon Aug 04, 2008 3:44 am

My sentiments exactly. Its funny, but the things that you think you can never do without, you can do without just fine!

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714

79 Magic Points

Subject: credit

Mon Aug 04, 2008 9:30 am

Also........alot of people ( me, for example..) want to get credit cards to improve our credit. Well......as some things were said above, if you start getting behind in payments, this REALLY can DROP your score. The 'credit card' thing can be more of a hinder to you, then help.

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