godwinsg

699 - approved. I have 2 new lines of credit ($7K and $5K limits with bals of about 1/3 of the limits) and one MC with $1K limit which has a bal of $500. I have a mortgage and a car loan as well. They sent me a letter to call them before I could be approved. I called and they asked if my income was commission based. I was also asked about my length of time on the job (7 years) and amount of my salary. I was told I was approved on the phone call. They never confirmed with my employer any of this information. This company has some strange approval requirements judging from the comments I see on this card.

I read that paying off your card every month does not help to improve your FICO score. The advice suggested paying your card down to 30% without going to zero. The effect is called "credit utilization". Moderator, can you please comment?

I work for a mortgage company in the foreclosure department. As Karma suggests, call your mortgage company if you are delinquent or even if you think you will become delinquent. You would be surprised about the assistance that is very likely available. Mortgage companies DO NOT want your house.

Does not make sense why they would not offer online account set up. But, I am sure there is a reason why. Hopefully it's not stupidity.