elprof10

I filed for bankruptcy. I was surprised that any card would offer me an unsecured credit and at 55 dollars a year to have the opportunity to rebuild my credit is worth it even without credit increases. At first I had a problem getting an available balance update after making a payment. In the new electronic era there isn't/shouldn't be a problem in getting payments and corrections in three days or less. I too had the runaround of the 10 day posting after deduction from my checking account. I called and spoke to a rep and had it corrected in two days after I got tired of waiting. She told me that in the future I should make payments by phone and payments would be posted quicker. To date I have made 4 payments by phone and it has been reflected on my account within 24 hours: balance and available balance brought in line. I may hate the card for not raising my credit limit in the future but for right now I understand their reason; I am a credit risk and they are limiting their exposure.