Jadesalvatore

31 Contributions 248 People Helped Top Contributor

Member Since: February 2014

Most Helpful Contribution

Capital One® SavorOne® Cash Rewards Credit Card

Aug 03, 2019
720 score low utilization
Helpful to 77 out of 85 people

gave me 1000 cl lame 

One good thing was I got the 150$ as soon as I spent the 500$ 

0% for 12 months. 

I would have kept it if they gave me an increase 

score is now 792 and still will not increase

not worth owning 

smallest credit line I have is 4k

closed 5 min ago

Activity (31 Total Contributions)

Results 1-10 of 31Results per page: 5 | 10 | 25Page 1 of 4   Previous | Next

Capital One® SavorOne® Cash Rewards Credit Card

Aug 03, 2019
720 score low utilization
Helpful to 77 out of 85 people

gave me 1000 cl lame 

One good thing was I got the 150$ as soon as I spent the 500$ 

0% for 12 months. 

I would have kept it if they gave me an increase 

score is now 792 and still will not increase

not worth owning 

smallest credit line I have is 4k

closed 5 min ago

American Express Cash Magnet® Card

Aug 06, 2019
754 credit score 9% utilization
Helpful to 64 out of 71 people

CK said approval odds were excellent, no pre approval from website though

scores 754, 768, 781

wanted for cash back but mainly for balance transfer of 5k

heard amex was generous with those with good credit scores and responsible usage

I have multiple cards with limits ranging from 5k-10k

only two cards with balances

no negs

long credit hx 

received a tiny 1000$ credit line

not worth the inquiry and will close acct as soon as card arrives 

American Express Cash Magnet® Card

Aug 03, 2019
754 credit score 9% utilization
Helpful to 37 out of 40 people

No neg 

scores 754, 768, 792

tiny 1000$ limit 

not worth the inquiry

Capital One® VentureOne® Rewards Credit Card

Aug 06, 2019
Helpful to 7 out of 7 people

As far as i can see there is nothing wrong with the card. Your 1 star is misleading.

collections pay off or settle

Mar 07, 2015
Helpful to 26 out of 30 people

I am sorry but you are 100% WRONG

Any collection item on your report will DEFINETLY  impact your score . It is true. The older the  collection item the  impact drops, but slightly.  After 7 yrs the item must be removed from your report which causes a significant increase in your score. However the  debt is technically still owed and after the seven years wether you decide to settle it or  pay off completely is up to you.  Now if it still affects your score You have two options. 1 settle  this will drop your score since the collection will show as updated but will increase over time since the debt was paid. 2. You can pay off the debt completely in order to get the debt absolutely removed from ALL your reports which should increase your score as soon as this information is deleted. Now DO NOT make any kind of payment until AFTER you receive a signed agreement that the collection accounts will be deleted after receipt of payments, there are  a number of pay for delete letters online. Also do not confirm in any way that it's indeed your debt I because it will re instate the statue of limitations and they may sue you.

American Express Cash Magnet® Card

Aug 07, 2019
Helpful to 6 out of 6 people

Thanks for your feedback but closing an act would only affect me negatively if this account were older. Utilization would be affected barely since my available credit without this card is over 100k. Also Amex doesn’t report a new credit line until over month after applying for it so it probably won’t even be calculated in.

Journey® Student Rewards from Capital One®

Apr 11, 2015
amazing for students or rebuilding
Helpful to 7 out of 9 people

Great card no annual fee easy approval no international fees 

less than 550 score and 3 collections and 2 charge offs and multiple late payments 

small limit of 300 but beggars can't be choosers 

apr is irrelevant if you pay your balance every month

Victoria's Secret Angel Credit Card

Apr 20, 2015
Best store card EVEEERRRR!!
Helpful to 2 out of 2 people

Okay so my score were in the high 500s about 585 595 and 602.

starter limit low 250  about 6 months in I'm at 700 with 3 cl increases.

the coupons are the best and a great deal. Obviously if your a vs shopper this card will give you some great deals and discounts if not  it's still a great rebuilder card. Interest rates for all store cards are incredibly high but the trick is to have a store card on a store where you frequently shop not one that will sit in the sock drawer forgotten, and make every effort to psy off your bslance monthly. 

Overalll totally worth it love it

Nordstrom Retail Card

Aug 24, 2016
Approved with mid 500 score !
Helpful to 2 out of 2 people

I applied in store associate had to call and lady on the phone asked for a current visa or mc on my wallet approved 2 min later :/ not sure how much they didn't tell me and temporary card doesn't say but overall happy to add a norm storm card to my wallet

Macy's Credit Card

May 10, 2015
Helpful to 2 out of 2 people

Yes but if you've had a late payment on the card within the last 12 months a cli does not sound reasonable. The company gave you a chance and if your late they can make the assumption that you may not be the most responsible

Results 1-10 of 31Results per page: 5 | 10 | 25Page 1 of 4   Previous | Next