Do credit card changes affect credit scores?

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Daqutequeenb
Re: Do credit card changes affect credit scores?

The card i closed was a First Financial bank credit card. The card I have now IS capital one. I've had it since April I think and I pay it on time every month. No balance. I really didn't know where else to get a card from because I had no available credit history, so I wanted to start building it....I don't use it much, only when i don't have cash on me and I KNOW i'll have it to pay before the bill is due. Now i'm worried. I really don't want credit cards. But i don't know how else to build my credit.

Hot2na
Re: Do credit card changes affect credit scores?

[quote=Daqutequeenb]But i don't know how else to build my credit.[/quote]

with your financial institution. if you use a bank and have a debit card/atm card for your account, then apply for that bank's credit card.

same principal if you use a credit union.

the other white meat ><{{{{ '>I am Keeper Of The Whip!

 

bella22
Re: Do credit card changes affect credit scores?

Oh yeah, I'm familiar with first financial bank. There's lots of those, first financial bank of Omaha, first financial bank of Marin, First Financial Bank, etc. Not a scam but it's always good to be cautious. Good job.

 -Pain is weakness leaving the body- USMC OOrah!

PinkyV02
Re: Do credit card changes affect credit scores?

I used to have Capital One.. I never had a problem with Capital One up until I made a payment two days late and they raised my APR.. I called them to request then to waive that late fee and about my APR and they refused so i simply just put all of my balances to my citi credit card that has a 0% APR for a year.. I also have a Chase card that has a pretty good APR and their customer service is awesome!

 

.Live. .Love. .Laugh.

bella22
Re: Do credit card changes affect credit scores?

yeah, Chase is a good creditor. So here is My good list: Chase, Citibank, HSBC, USAA (only eligible if you work for them or are in the military), WaMu and Wells Fargo are good if you keep track of you're payments. But ceditors will look for ANY excuse to rack up your APR.

-Pain is weakness leaving the body- USMC OOrah!

iamthedevil
Re: Do credit card changes affect credit scores?

I have 3 from your good list and 2 from your bad...

bella22
Re: Do credit card changes affect credit scores?

As long as you're able to give your monthly payments on time you're good.....oh and have low APR's 10%-0% is good. Average 11%-16%, and bad is 17%-29.99%. Also, a lot of people think that giving the minimum monthly payment is the way to go. WRONG! Especially if you have high APR. You ALWAYS want to pay more than the minimum. Why? because if you give the minimum (this is excluding those with low APR's) payment then 80%-90% of your minimum payment is going towards finance charges and the other 10%-20% is going only towards your actual balance, so it could takes your YEARS to pay off a credit card giving the minimum monthly payment.

-Pain is weakness leaving the body- USMC OOrah!

iamthedevil
Re: Do credit card changes affect credit scores?

I meant to cancel a couple cards and never did... I used to make well higher than minimum payments but thats all over now. I actually have to come up with a plan cause sooner or later I'll be in serious trouble! I'm not going to come out and say what I owe, but I already described it as a "sh!t-ton"...

bella22
Re: Do credit card changes affect credit scores?

[quote=iamthedevil]

I meant to cancel a couple cards and never did... I used to make well higher than minimum payments but thats all over now. I actually have to come up with a plan cause sooner or later I'll be in serious trouble! I'm not going to come out and say what I owe, but I already described it as a "sh!t-ton"...

[/quote]

 

Well if you ever consider consolidating contact the company that I work for. You don't have to talk to me if you don't want me all up in your business, we have hundreds on credit counselors available 24/7. We basically help you by lowering your APR's and putting you on a repayment plan so you can pay your credit cards off anywhere between 3-5years. The only disadvantage about our program is that your credit cards will close if you use our services. So if anyone is interested go to www.moneymanagement.org. Good luck to all of you with your debt, and make wise decisions. If you ever have any questions feel free to ask.

-Pain is weakness leaving the body- USMC OOrah!

STaRDoGG
Re: Do credit card changes affect credit scores?

[quote=bella22]

yeah, Chase is a good creditor. So here is My good list: Chase, Citibank, HSBC, USAA (only eligible if you work for them or are in the military), WaMu and Wells Fargo are good if you keep track of you're payments. But ceditors will look for ANY excuse to rack up your APR.

-Pain is weakness leaving the body- USMC OOrah!

[/quote]

I personally wouldn't recommend Wells Fargo. I don't even have any accounts with them and I swear to God, they have harrassed my a*s for almost a year straight. They claim that someone with a completely different first and last name gave them my phone number as their own (I've had the same number for 10 years so all they need to do is look it up) so they would literally call my phone 5+ times a day. Never leaving messages. I wrote a program specifically for these arseholes that auto-zaps certain phone numbers if it shows up on caller ID, they just use a new number. I block the numbers through my phone company's call screening, they still get around it.

I've (politely the first couple of times, and then in no polite manner by any stretch of the imagination) told them to stop calling, they have the wrong number, a handful of times, they get just as pissy back, and the next day it starts all over again. Relentless, and won't take no for an answer, even if you're not the person they're looking for!

During all of this I've come across TONS of complaints about them. They may be good if you never ever miss a day on a payment, and treat it 100% perfectly, but one small slip and they are on you like stink on poopy.
 

Here's a screenshot of my caller ID list. It's all that would fit on the screen, scrolling up would show 2 more full screens like that.

 

And if you Google that phone number, you'll see this. I'd rather drive back and forth over a speed bump than use Wells Fargo after this experience.

--

He's half a shadow.

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