9CLINE

35 Contributions 582 People Helped Top Contributor

Member Since: June 2012

About Me: Just an average person,trying to improve credit score ..

Most Helpful Contribution

The do's and don'ts of getting a new credit card

Jul 28, 2013
Helpful to 315 out of 325 people

Thanks for the advice I have used this site since joining to help rebuild my credit. From what I have seen so far the reviews and advice given are great, I have used them to improve my score from 497 to 702 in about 3years time. Patience and learning how the credit game works has been key. I understand some have increased faster than I have,but coming from a Chpt.13 Bkrtcy to now I am all smiles. Keep up the good work,this is a great tool to improve and watch over what is going on. I knew from the start that it's not actual scores here,pretty much ball park for me,but it is better than nothing and esp. better than paying for a Fako score.. What more can I say? Thanks Credit Karma....

Activity (35 Total Contributions)

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The do's and don'ts of getting a new credit card

Jul 28, 2013
Helpful to 315 out of 325 people

Thanks for the advice I have used this site since joining to help rebuild my credit. From what I have seen so far the reviews and advice given are great, I have used them to improve my score from 497 to 702 in about 3years time. Patience and learning how the credit game works has been key. I understand some have increased faster than I have,but coming from a Chpt.13 Bkrtcy to now I am all smiles. Keep up the good work,this is a great tool to improve and watch over what is going on. I knew from the start that it's not actual scores here,pretty much ball park for me,but it is better than nothing and esp. better than paying for a Fako score.. What more can I say? Thanks Credit Karma....

The Amex EveryDay® Preferred Credit Card from American Express

Sep 25, 2014
Revolver W/MR Points, 50% Extra Points
Helpful to 38 out of 41 people

         Got this card instant approval online, waited 61 days and moved some of my limit over from my BCE to this baby..I am really loving this card so far. Normally I don't take the preferred cards if they have annual fees,but this one I felt would serve me well. For me it's the perfect compliment to the BCE,(plus they look alot alike too). I  like getting the MR points instead of the % back,seems like my % back never amounted to much. I get 3X pts. for groceries up to $6,000/yr. and 2X pt. for gas,then 1pt. all else. I also get an extra 50% of points for every billing period I use the card for 30 purchases or more. All this plus EMV and the ability to pay for purchases with points...

       The few times I've used customer service have been fab..Love the chat, tweet, and facebook choices. Of course I can just call or use the community,I get a lot of my just wondering questions answered that way..lol I personally think they have one of the best customer services I've used. That's my opinion and from what I've dealt with so far. I know the card won't be for everyone,but if you use your card a lot and want a go to card you can't go wrong here.

Capital One® Platinum - EXPIRED OFFER

Apr 16, 2013
Good rebuilding card
Helpful to 11 out of 11 people

CK score was in 590's when I got it, had a no interest for 12 mths promo and no annual fee first yr. then I think 39? anyway,,inital cl of 500.00 then got the only increase I ever had in nearly 3 yrs. of 250.00 for a grand 750.00 cl. No prob to me cuz I was just trying to improve score. I haven't had any problems with them for the duration i just pay on time all the time...One thing I wonder tho if you have been with them a while and credit is improved seems like they'd tell you of other options better for you,but I guess they just making money like everyone else... Card served it purpose in  helping credit score,they seem to always report every month and correctly so far... No complaints 

Discover it®

Mar 14, 2013
Approved
Helpful to 11 out of 11 people

 After reading though the reviews I decided to apply using the take offer link. The process was quick only 3 steps, then asked to wait 60 sec. while processing. After that screen popped up asking for mother's maiden name, living status(own,rent,other),and education level.  Answered those and again asked to wait 60 sec. for decision,,,,Next window changed to approved and welcome, told I would recieve card in 7-10 days( no option to FedX card available)and start set up online access which you can do then or save for later...Only thing no CL showing anywhere..

So I called the number on site and told them I had just been approved and wanted to know when I would recieve card,,,Guy told me congrats and welcome,,,very nicely asked for my home phone and DOB to confirm,, again thanked me and congrats told me I was approved for a 3,000 CL and I would recieve interest rate and disclosure with card in regular mail 7-10 days... I was sorta surprised to get onlne approval immediately,,, CK score is 640 but I have seen my Experian at 700 so I know CK is low credit rebuild history is just over 2 years old with 100% on time payments,,20% usage,, 14% debt to income ratio.

So far customer service was american english speaking( no pun intended just that a southern girl like me could easily understand what he was saying) courteous and extremely nice... Good Luck to others and hopes this info helps someone......

Belk® Rewards Credit Card

Mar 15, 2013
Applied in store
Helpful to 10 out of 10 people

Applied in store with mid 600's ck score,,,instant approval for 300.00 charged 80.00 initially, paid off at first bill... 2nd month got and cl increase to 850.00 that's been about 6mths ago, since then nothing and owe nothing...

So far so good,no problem with payment posting decent website... Good Luck

CareCredit® Card

Apr 16, 2013
No Problems Yet
Helpful to 9 out of 9 people

No problems seems tho if the doc or whatever submits app, your cl is higher than just applying without knowing how much you may need... Haven't checked to see if you can get CL increases or not..have used for the promo 0% terms,,which is a winner...CK score was 590's when I got it...

JCPenney® Credit Card

Apr 16, 2013
So Far So Good
Helpful to 8 out of 8 people

I have had this card for about 2 yrs now, it was my first card after a bk 10 years ago.. Started out the usual route with first premier and orchard...had those about 6 mths then applied for this one in store.CK score was 591 at the time.. didn't expect to be approved but I was for 500.00 then. After ~ 8 mth of on time payments and staying well below limit JCp increased  my CL to 800.00 without me asking for it. So far I have shopped both online and instore and have called customer service with some questions and no problems what so ever. Pay them automatically thru my bank's easy pay every month as with all my debts.... I will continue to do business with them as I like them and haven't had any problems with them yet. I hope your experience with them is as good as mine...Good Luck.

Chase Sapphire® Card

Sep 22, 2013
Sapphire Visa Signature
Helpful to 7 out of 7 people

Since I won't be travelling for quite a while I got the regular sapphire visa, but was glad to qualify for the signature version(my first). My Ck was 688 when I apped with poor approval chances here. In NC Chase uses Ex and also EQ, yes 2 pulls for 1 cards(same as when I got the Freedom) just thought I'd let you know. Decent limit of 5,000 and the one APR they have,not the highest of my limits but it shows me that getting in the door with them and having keeping a good relationship with them can lead to more credit with them.So far so good apped on 8/29/13 got card about a week or so later showing scores of EX 735,EQ 725. The reward are really adding up having both cards,I hear rewards are even better if you do checking with them.

Don't get discouraged by a lower limit just be patient,pay on time pay more than min. due or in full and let your card and relationship with them grow..about the 3-4th month u should see some auto luv (auto CLI) from them

Chase Freedom®

Jun 03, 2013
All is well so far
Helpful to 7 out of 7 people

Applied & approved online despite CK telling me I had poor approval odds. They pulled my eXperian for NC. I had a CK of 640 My apporval letter said Exp. of 689 upon approval.  App was easy and quick to use,in ~60 sec was appoved . Had to call in to get CL which a very courteous and understandable rep told me is $4000.00  Told me to wait till I got card to ask for CL increase,but the 4 is enough for me so I will leave it alone for a while...He also told me my interest Apr. is 22% is high to me but it won't make a big deal for me,as I don't plan on paying int.,He also stated I could get it lowered later after building a record with them... I also have 0% apr for both charges and BT till Aug 2014. Cool..look forward to building a great future with them... Due to CK I have come a long way in my credit rebuilding quest. I still have a long way to go but I am in good shape to make it now.... Good Luck with your credit growth...

JCPenney® Credit Card

Aug 23, 2014
Great Store Card, Useful 4 Sales
Helpful to 12 out of 13 people

I've had this card for over 2 yrs and have never had any problems with them. Started out with a low ~530+ score, rebuilding after Chpt 7. It wasn't my first card, more like about my 4th card(1st Premier, Orchard, and Cap1), all low limit rebuilds..point is I did have a little record established which I paid religiously. JCP gave me a 500.00 limit which I was happy to get.. I set up my payments thru my bank's auto pay system and even though it's due the 14th, I have it arriving there by the 4th, but I do all bills like that to allow for holidays,etc. and if not paid in full,more than the min.due.After 3-4 mth got 1st inc. then grew to 4,600 limit. Plus you can hit the button every 3mths 2. Got letter in June that I was getting a mastercard.I received my Gold JCPenney Mastercard this month. After activating the card online,a statement popped up congratulating me on receiving the card,telling me to destroy the regular store card and informing me that my limit is now 6,000. 

So,my advice is just pay early and watch it grow,,I don't need the high limit either @ that Apr., but it sure helps the Util.

Good Luck......

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