TerriC305

Congratulations for working hard and staying on top of your debt.  Everyone should just remember no matter what the reason or excuse you have it doesn't matter.  You have to make that payment every month on time. I only use my credit card now if I need to make reservations online etc  and then I pay it off immediately.  At Christmas when I ordered gifts online......I used my debit card.  No Credit Card bills coming in after Christmas......that's the best present for me.  And when I'm in the store and they're tempting me to get a Kohls, Penneys, etc etc credit card............I just say NO.   Don't get into that habit.........it's a hard one to overcome.

Why didn't you apply for a credit card thru your credit union?  If your making your pymt. on time then your C. U. most likely will ok you for a Credit Card.  Even if it's a small Card.  Just show you can make pay on time........with NO late payments and slowly increase your credit limit.  Take it slow and good luck.  If you've had a late payment, go in and talk to the credit union....make weekly deposits into your savings account.....show your making an effort to improve your situation.  And even if you apply for a card with a $500 limit.  It's a start to building a sound future.  Whatever you do.........No Late Payments.