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They will get you for overdraft fees everytime

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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit cards
 
Posted on Tue Apr 29, 2008 12:13 pm  

GOODNATURED..my CC's were from Orchard Bank and Imagine. BOTH seem to 'work with you' until you have some problems ( it seems like, anyway). There is SOO much %, on them, it's crazy. Orchard 'offered' a payment arrangement. Get this.................!1 " I can pay $100.00 now and $100.00 by May 15th to bring my card up to date." If I HAD that money right now, I would pay them!! Still trying to work things out with them, and the other one.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36452 Magic Points

 
Posted on Wed Apr 30, 2008 6:55 am  

How much do you have on the card to pay?
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Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit cards
 
Posted on Wed Apr 30, 2008 5:14 pm  

LAURA..on HSBC card the balance is $430.00. My credit limit, on the card is $300.00. The Imagine card, the balance is $400.00. My credit, on THAT one is ALSO $300.00. It just seems like when I DO send payments, the companies are ALREADY applying late fees, etc. and it doesn't even LOOK like I 'touched' the surface, of the debts....if that makes any sense.
fireyone



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



130 Magic Points

 
Posted on Fri Oct 17, 2008 10:30 pm  

Sd. I know what it is like to get caught in this endless trap and really feel for you. Back when I got behind (7 years ago) companies refused to work with you. Can you call them and explain the situation and maybe they can increase th limits on your card so that you don't fall behind. Let them know that you do not want to let the card go unpaid but just can not continue on this route...explain your health problems...try anything...I had a friend who did this after a lenghthy illness and this is what the company did for him.
creditcardwarehouseonline



Joined: 28 May 2008
creditcardwarehouseonline's page
Posts: 25



1180 Magic Points

 
Posted on Thu Oct 23, 2008 12:57 am  

I dont think it is possible to get a card with a 2000 limit with bad credit. If it is please send me the link to the card too. Best I could find was orchard with a 300 limit, salute card with a 450 dollar limit. These are not cards you should actually use though. Just for real small purchases. Never utilize more that 30% of your credit. They will get you for overdraft fees everytime.
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carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Thu Oct 23, 2008 7:15 am  

It is in fact very difficult to get a high credit limit with a bad credit score now because of the recent US slowdown due to subprime lending. Moreover, this subprime lending has led to several bankruptcies in US, the recent example is the bankruptcy of the Lehman brothers. So I think that if you have a very low credit score and you want to improve it, go for secured credit cards. But if you want a high credit limit, the only way you can get it is to take advances from your employer or your friends.
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Carol
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: cc
 
Posted on Sun Oct 26, 2008 3:19 am  

FIREYONE, thanks for the advice. I've tried calling BOTH companies. According to Imagine, they say they no longer have my account. I've gotten letters, from CA's, about both cards. With ONE of them..( I think it was Orchard..) they were asking for a settlement amount. Should I take it? Doesn't settlements look bad on your CR? I guess it really wouldn't matter...my credit is already bad ( but..improving just the same.)
fireyone



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



130 Magic Points

 
Posted on Wed Oct 29, 2008 1:48 am  

SD I know you are from PA. The sol here is four years. Is this debt at least four years old? When was the last payment that you made on it? If it isn't past the SOL and since the original creditor doesn't own the debt anymore you need to ask for debt validation. If they can not validate then you will not have to pay. If the original creditor already sold this debt then they more than likely already written it off and is done with it..which means they more than likely will not sue or help the debt collector validate. Gte me this info..I have been on alot lately and hopefully will see this post again.

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