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BROWNSUGAR
Guest






Subject: WAMU CREDIT
 
Posted on 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
goodnatured's page
Posts: 3931



401 Magic Points

 
Posted on 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,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
desiree15



Joined: 10 Nov 2007
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Posts: 40



951 Magic Points

 
Posted on 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
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35841 Magic Points

 
Posted on 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
goodnatured's page
Posts: 3931



401 Magic Points

 
Posted on 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,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



103 Magic Points

 
Posted on 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: 516



13592 Magic Points

 
Posted on 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 Marx

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.
erb1953



Joined: 31 Dec 2007
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Posts: 547



-100 Magic Points

 
Posted on 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: 246



245 Magic Points

 
Posted on 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
erb1953's page
Posts: 547



-100 Magic Points

 
Posted on 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
Lorri's page
Posts: 246



245 Magic Points

 
Posted on 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

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1901 Magic Points

Subject: credit
 
Posted on 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.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



401 Magic Points

 
Posted on Mon Aug 04, 2008 9:09 pm  

I agree, I don't want another credit card, too much of a headache.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1901 Magic Points

Subject: credit cards
 
Posted on Mon Aug 04, 2008 9:14 pm  

Recently I've gotten ALOT of Pre-Approval offers, for CC's, in the mail. Theu sound great..until, you read the fine print. The % of these things are SOOO high, it will take a life time (seems like) to pay them off. i was in a situation like this before........NO MORE CC's for me.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



103 Magic Points

 
Posted on Tue Aug 05, 2008 1:59 am  

I still get sick in my stomach about the ones we absolutely had to take out last year. It really aggravates me when over half the payment is interest. I can not wait to pay them off so I can call and say please cancel my account.

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