alovingmommyof3

I have been rebuilding my credit after a seperation and subsequent divorce for the last seven years.  While married I had a bankruptcy not long before the seperation. With the exception of an old bankruptcy, I have no negative marks on my credit report.  My CK score is 659 with about 15 inquiries (most are more than a year old).  CK said my chances of getting this card was fair. For four years I have had an Orchard Bank account (HSBC) for one year I have had paypal buyer credit, and Old Navy Visa (GEMB),  and a Best Buy (HSBC) Mastercard.  Now if only I could get the Paypal Mastercard and I would be set. A few days ago I was approved for the Citi Forward Card and the Citi mtvU card.  I couldn't decide which card I liked more so after I was approved for the Forward cared, I called customer service and asked if it was ok to apply for the mtvU one as well.  They said it was ok, so I did.  Both card are with a $4000 limit.  I only gave four stars because I have limited experience with this company and because I have spent more than three hours on the phone with customer service's early fraud department.  Because I applied for two cards in one day (the Forward was approved for immediate use) and because I had begun using one and because I added authorized users (the online account access advertised this to me) their system freaked out.  It took forever to resolve it and they had to call a merchant I was doing business with to get a transaction to go through.  This was odd because I had already had transactions go through before this, and one went through to my phone company which could have helped prove it was me who applied.  If anyone chooses to have more than one card with them like I did, take things slow.  I am thinking you can apply to more than one card in the same day, but don't add authorized users if you are approved for immediate use until you receive the initial card.  I am a "get er done" kind of person I I tried to do too much at once.

I have been rebuilding my credit after a seperation and subsequent divorce for the last seven years.  While married I had a bankruptcy not long before the seperation. With the exception of an old bankruptcy, I have no negative marks on my credit report.  My CK score is 659 with about 15 inquiries (most are more than a year old).  For four years I have had an Orchard Bank account (HSBC) for one year I have had paypal buyer credit, and Old Navy Visa (GEMB),  and a Best Buy (HSBC) Mastercard.  Now if only I could get the Paypal Mastercard and I would be set. A few days ago I was approved for the Citi Forward Card and the Citi mtvU card.  I couldn't decide which card I liked more so after I was approved for the Forward cared, I called customer service and asked if it was ok to apply for the mtvU one as well.  They said it was ok, so I did.  Both card are with a $4000 limit.  I only gave four stars because I have limited experience with this company and because I have spent more than three hours on the phone with customer service's early fraud department.  Because I applied for two cards in one day (the Forward was approved for immediate use) and because I had begun using one and because I added authorized users (the online account access advertised this to me) their system freaked out.  It took forever to resolve it and they had to call a merchant I was doing business with to get a transaction to go through.  This was odd because I had already had transactions go through before this, and one went through to my phone company which could have helped prove it was me who applied.  If anyone chooses to have more than one card with them like I did, take things slow.  I am thinking you can apply to more than one card in the same day, but don't add authorized users if you are approved for immediate use until you receive the initial card.  I am a "get er done" kind of person I I tried to do too much at once.