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wes
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Subject: credit card application
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Sun Apr 26, 2009 12:14 pm
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| i want an invitation to apply for the legacy visa or another but not first premier, hsbc, plains commerce bank, are there any others? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Mon Apr 27, 2009 9:45 am
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As far as I know, there is an acceptance charge of about $100 on Legacy Visa Card and so you should be prepared to pay these charges. Legacy card will help you to repair your score because you can get a legacy card even with a bad credit. The credit limit on such cards are very low and may range somewhere between $250 and $500.
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
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Mon Apr 27, 2009 10:39 am
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| A legacy visa would be a good start if you suffer from bad credit. Paying the fee may not be great once you have credit established but it is a small price to pay to get back on track. Just remember when rebuilding credit it takes time and effort. Also remember to not charge your new card to the max. I would suggest not using more than 33% of your card balance. This looks better to creditors and also helps your score more than a maxed out card. Good luck. |
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internet15
Joined: 16 Apr 2009
internet15's page
Posts: 51
2439 Magic Points
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Tue Apr 28, 2009 12:09 pm
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Using a credit card is easy. However, applying for one isn’t always the case. Wading through all the different providers and all the different offers is overwhelming enough without adding to it the process of applying. Credit Card suppliers have utilized the internet to make the application process more convenient, but there’s still a lot you need to know about what information you need to give and why you need to give it to apply for a credit card.
There are many different websites, such as this one, geared towards offering consumers quick online access to applications for numerous credit card providers. The online application process has been fine-tuned over the years and most sites are now very secure for this process. However, if you have reservations about giving your information online you can still apply either with a paper form issued by your credit card supplier of choice, or you can call them on their toll free number. This info should be readily available as you research the numerous credit card suppliers. Do make sure if you’re applying through a form that it is an original document, not a copy, and that it’s endorsed by that provider. Applicants should be aware that there could be a difference in the types of cards that are offered based on how you’re applying as well as if there is an application fee and its amount.
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GarySnober
Joined: 08 Apr 2009
GarySnober's page
Posts: 67
6 Magic Points
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Thu Apr 30, 2009 6:05 pm
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| Most of these cards have very high fees and come along with high interest rates but to rebuild your credit its really good to get back in good standing. |
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Daniel
Joined: 24 Apr 2009
Daniel's page
Posts: 7
291 Magic Points
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Sat May 02, 2009 8:19 am
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Hi
Legacy Visa is best way to use credit card if you tired by using local credit cards but they will must have required fees to use legacy visa.
Thanks. |
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GarySnober
Joined: 08 Apr 2009
GarySnober's page
Posts: 67
6 Magic Points
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Mon May 04, 2009 7:29 am
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| Thats correct and please if your trying to rebuild ur credit. Dont max out your credit cards, Pay them on time, Keep your total debt to credit limits under 30% and you will see an increase in your fico score and build your credit. |
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