CCapproved

3 Contributions 130 People Helped

Member Since: June 2018

Most Helpful Contribution

Citi® Secured Mastercard®

Feb 02, 2019
Helpful to 70 out of 72 people

So I see alot of people talking about how "Their score Did not increase" which is impossible if your watching your debt ratio and paying on time .To get your credit score at a premium level is not easy. One credit card will not do it, and paying on time is about 35% of it. the rest is debt ratio and having a mixed profile such as car loans, mortgages, retail cards etc. I do have a citibank secured card and it works just like every other card the main reason I chose this card was to get my foot in the Door with Citi bank and build my overall credit History which is another factor when trying to increase your credit score and being approved for a much higher credit limit and Premium cards. Before I applied for citibank i read some of their terms & conditions which does state in the Begning it will take 18months before they will send  you your Deposit back. The main thing and  understand is when your credit is not great or trying to rebuild credit is there will be some hoops to jump through unfortunately you have to prove to the bigger dogs your responsible enough to maintain a premium credit card with Higher credit lines that is just the way it is. I hope this review helps some understand a little better what to do when trying to build credit.

Activity (3 Total Contributions)

Citi® Secured Mastercard®

Feb 02, 2019
Helpful to 70 out of 72 people

So I see alot of people talking about how "Their score Did not increase" which is impossible if your watching your debt ratio and paying on time .To get your credit score at a premium level is not easy. One credit card will not do it, and paying on time is about 35% of it. the rest is debt ratio and having a mixed profile such as car loans, mortgages, retail cards etc. I do have a citibank secured card and it works just like every other card the main reason I chose this card was to get my foot in the Door with Citi bank and build my overall credit History which is another factor when trying to increase your credit score and being approved for a much higher credit limit and Premium cards. Before I applied for citibank i read some of their terms & conditions which does state in the Begning it will take 18months before they will send  you your Deposit back. The main thing and  understand is when your credit is not great or trying to rebuild credit is there will be some hoops to jump through unfortunately you have to prove to the bigger dogs your responsible enough to maintain a premium credit card with Higher credit lines that is just the way it is. I hope this review helps some understand a little better what to do when trying to build credit.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jan 22, 2019
Helpful to 42 out of 45 people

This is a Very good card for a start up, i was approved at a credit score of 625, the cash back rewards are higher then most. I also recevied my credit card in 7days so far i have no complaints

Credit One Bank® Cash Back Rewards Credit Card

Jan 22, 2019
Helpful to 18 out of 21 people

Well not happy with there intro, i was approved for 300 however only received $200 because of their "annual fee" and there "card design fee", their customer service is terrible and very unhelpful In my opnion try and stay away from this card if you can.