Philly58

93 Contributions 314 People Helped Top Contributor

Member Since: April 2015

Most Helpful Contribution

Citi® Secured Mastercard®

Apr 11, 2019
It’s okay
Helpful to 48 out of 51 people

Got this card with scores in low 500 and I’m grateful to rebuild, but you will never get an increase.  I pay this off monthly in full, yes they report, last month twice, right before due date and right after, making my usage  greater than 30%.  And for whatever reason be it ck or Citi, no reporting to Equifax ever!  If this happened with anyone else please let me know.

Activity (93 Total Contributions)

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Citi® Secured Mastercard®

Mar 31, 2019
Helpful to 35 out of 36 people

I’ve had this card for two years, never late with a payment AND my scores were about 500, now low 600. I’ve asked never given an increase! Please be honest, people are trying here! Smh

OpenSky® Secured Credit Visa® Card

Mar 14, 2019
Easy does the job
Helpful to 34 out of 35 people

Application was quick and easy, paid deposit, received card 14 day's later, downloaded the app, linked my bank account, set up auto payments and then realized there was no due date, so I called cs, got through automated options and waited about 5 min spoke to a super nice American woman who told me the site would update in a week and when my due date would be.  If you want your payment due the beginning of the month apply mid month, because that'll tell you approx due date.  For instance, I applied the 2nd, card came the 14th, payment due the 17th, hope that makes sense.  I don't work for them just trying to rebuild credit and it's all working.  Good luck!

Citi® Secured Mastercard®

Apr 11, 2019
It’s okay
Helpful to 48 out of 51 people

Got this card with scores in low 500 and I’m grateful to rebuild, but you will never get an increase.  I pay this off monthly in full, yes they report, last month twice, right before due date and right after, making my usage  greater than 30%.  And for whatever reason be it ck or Citi, no reporting to Equifax ever!  If this happened with anyone else please let me know.

Mission Lane Classic Visa® Credit Card

May 14, 2019
Helpful to 17 out of 17 people

If course the fee was due right away! You charged 100% of your limit, how’s that Lendups fault?

OpenSky® Secured Credit Visa® Card

Jul 22, 2019
Helpful to 7 out of 7 people

Sounds llike another I didn't pay my last bill, closed the account and they didn't use my security deposit for the bill! Gotta pay your bill, then close account-with zero balance. Then they send deposit and report positive!

OpenSky® Secured Credit Visa® Card

Jul 21, 2019
Helpful to 7 out of 7 people

Of course you have to pay the balance before getting your security deposit back! Every secured card is like that.

Indigo® Platinum Mastercard®

Oct 10, 2019
Helpful to 6 out of 6 people

I’ve read about situations like this before, several times, I’m convinced it’s inside jobs with this company! Really shady stuff, so glad I’ve never had this card!

Indigo® Platinum Mastercard®

May 11, 2019
Helpful to 6 out of 6 people

Of the four credit cards I have each one has my account and routing numbers. It's the way most are paid, quick and easy. Set auto pay and you'll never be late. I don't see how it was Indigos fault your score dropped, if you didn't mail it and won't give your account number how'd you pay it?

Indigo® Platinum Mastercard®

Apr 17, 2019
Helpful to 6 out of 6 people

I'm confused, so if you make a payment on a Saturday it shows as being paid on Monday? So, even if you pay a couple days before your due date it won't show at all for 4-5 days making you late, or unable to use your card? If you pay your bill and can't wait till payment reflects to use your card again, something is wrong. Please explain! Why not set auto pay for minimum payment due, you'd never be late.

Citi® Secured Mastercard®

Apr 22, 2019
Helpful to 12 out of 14 people

If you made a purchase and that purchase didn’t work out, then you closed the account and possibly didn’t pay the bill, that’s not Citis fault!

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