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     | Thursday, January 13, 2000 - 12:20 pm  I recommend Aspire Visa to anyone who needs a credit card to first establish credit, doesn't want to go the secured card route and doesn't want to pay a $200.00 application fee. The terms are very reasonable in that they include no annual fee. Be prepared for a shock, though, when you see the interest rate. They do, however, have a 25 day grace period, which means that you can charge something and pay it off without incurring a finance charge. Excellent!
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| | Wednesday, January 19, 2000 - 09:54 am Good card? We love our Fleet Platinum. 7.99% fixed (prime rate minus fixed index) for life. No annual fees. No balance transfer fees. The only card I have in my wallet with a lower lifetime APR is my debit card from my bank ... :)
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| | Wednesday, January 19, 2000 - 02:36 pm Well, you must have a very nice score.
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| | Thursday, January 20, 2000 - 05:01 am I do now. Three years ago, it was probably somewhere in the 400's ... :) Cross Country Bank, Providian and a 20%APR loan from Chrysler Financial helped me build new good credit. THESE forums and many other online resources (as well as time) helped me rid myself of derogatory informatin from my credit reports.
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| | Thursday, January 20, 2000 - 08:40 am What were the terms that Providian and Cross Country initially offered you?
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| | Friday, January 21, 2000 - 07:16 am You want to hear something funny? I have a Providian card (and have been very happy with them). But my wife saw their commercial on TV (with a 1-800 number)and said she wanted one. After agreeing / negotiating that she already had three Visas, and she should have no more than one more, I called them for her. I gave them all her info, and they ran a credit check while I was on the phone. They came back with a $500 limit and an outragous annual fee (about double mine), and I told them to forget it. It wasn't the right card at the right cost. The funny thing is that, yes I might be her hubby, with all of the correct info, but can you believe that they actually felt that they could pull a credit report and send her a card without HER authority?
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| | Friday, January 21, 2000 - 07:45 am Sean: That was 3 years ago when my credit reeked. Initial credit line of $500 (for the CCB Visa) and it cost me $99 for the application fee. They kept increasing my credit limits (no charges - I simply ignored the "pay-for-an-increase" offers and they eventually gave me "holiday increases" and such for no cost) and after 9 months or so, they sent me an offer for the CCB MasterCard at no charge/no fee @ $750 credit limit. Then they upgraded my Visa to their "Silver Preferred Visa" without me asking, and nearly doubled my credit limit (to $2000 or something), again no charge. I think I *may* have paid for one single credit line increase right at the beginning, though. As for Providian, that cost me $49 in app/processing fees. I think I got a $500 limit to begin with. They up'd it to $1000 a little later, but I never asked for it nor paid for it. I didn't really care at the time - I simply wanted the new, positive trade line on my credit reports. I closed the Providian & CCB MasterCard about four months ago after receiving several Platinum cards. Funny thing, though. Providian NEVER reported the activity (we all know why) and I never knew until I went to close the account. It took me a couple of phone calls, but I finally got them to report the activity (a year and a half's worth) at each of the bureaus. I had them all for a few years, though. Never a problem. NEVER. But I only used them to build credit, not live a lavish lifestyle on credit like many of the CCBCB's do (Cross Country Bank Cry Babies). Charge a little, pay it off, build a good history. That was my intention and I stuck to it. And it paid off in the long run.
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| | Friday, January 21, 2000 - 08:58 am That's the nasty little secret of sub-prime lending. Often times they'll not report you at all, only report you if you go bad, or start to report you then stop.
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| | Tuesday, January 25, 2000 - 08:08 am Not reporting is the reason I did not go for a Discover card. On a phone call to a customer service manager (at Experian if I remeber correctly), I was trying to get a different reporting issue resolved, and he mentioned Discover's non-reporting to me. Can anyone confirm this?
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| | Tuesday, January 25, 2000 - 09:06 am Discover does report - in fact, if your wife has a card and "requests" and additional card for you, then BOTH you and your wife's credit reports will show the account.
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