Teavey

52 Contributions 343 People Helped Top Contributor

Member Since: November 2014

Most Helpful Contribution

Target REDcard™

Jun 28, 2019
My Limit Keeps Going Up!
Helpful to 98 out of 99 people

I've had this card for a little more than a year and they've been steadily increaing my limit without me having to ask. I'm not even sure if there's a place on their website to make a request for a higher limit but I started out at $600 and then it was $1000. Then one day out of the blue they thanked me for my business and bumped it up to $1500. Now I'm at a $2300 credit limit which is great because it gives me that extra room to maintain a low utilization rate. I use it primarily for a few groceries and most of my consumables. But what I really like about it is the ease of use when it comes to making payments. Other store card sites have me searching and digging around to find the area to make a payment but Target clearly says "Pay Bill Here".

Activity (52 Total Contributions)

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Target REDcard™

Jun 28, 2019
My Limit Keeps Going Up!
Helpful to 98 out of 99 people

I've had this card for a little more than a year and they've been steadily increaing my limit without me having to ask. I'm not even sure if there's a place on their website to make a request for a higher limit but I started out at $600 and then it was $1000. Then one day out of the blue they thanked me for my business and bumped it up to $1500. Now I'm at a $2300 credit limit which is great because it gives me that extra room to maintain a low utilization rate. I use it primarily for a few groceries and most of my consumables. But what I really like about it is the ease of use when it comes to making payments. Other store card sites have me searching and digging around to find the area to make a payment but Target clearly says "Pay Bill Here".

Amazon.com Store Card

Sep 20, 2017
They closed my account!
Helpful to 40 out of 41 people

I am very disgusted with Amazon right now. I went to place an order and my card was declined. I figured that I might had entered the number incorrectly so after doing it a couple of times it still didn't go through. I logged into my account to see what was going on and to my surprise MY ACCOUNT WAS CLOSED! :( I've had the card for almost a year with no issues, no problems, no late payments, or anything else. When I called them to find out what happened, they informed me that after reviewing my credit report, they determined that it was in their best interest to close the account. Now that I've been getting my old debts resolved I guess I'm starting to appear on everyone's "radar" and I'm getting dinged on a regular basis. No problem. I understand that. But I am very annoyed because I haven't had any slip-ups in the last 5 years. From the time I was issued the card to the present, I always paid my bill early and didn't carry a balance.  I don't see how that was a risk for them.

Merrick Bank Double Your Line™ Visa® Credit Card

Apr 08, 2019
The Cost of Doing Business
Helpful to 65 out of 69 people

They have a $36/year annual fee which is charged to your card in full for the first year and then it's billed incrementally the following years. Compared to other cards that want $75 for the first year and then $99 each additional year, I find their fees to be quite fair. I started with a $700 limit and as promised, I paid on time for 7 months and was automatically bumped $1400. The interest rate is a bit high so I don't use it very often but the fact that I'm being charged $3/mo. plus the $2 minimum interest rate, it's well worth it for me to have an open account showing steady activity.

Blue Cash Everyday® Card from American Express

Oct 26, 2019
Finally Got Approved!
Helpful to 45 out of 48 people

I applied for this card a couple of months ago and then another few months before that. Both times I was denied because I had too many accounts that were recently opened. Anyhow I was going through all of my accounts to make sure that they were up to date and then when I logged into CK this came up on my list of recommendations as being "pre-approved" so I figured that I'd give it another shot. Sure enough they approved me!  This was the final piece of the puzzle that I wanted to have in my profile and I hope to have good experiences with using it.

Blue Cash Everyday® Card from American Express

Nov 30, 2019
Got the cash bonus immediately!
Helpful to 42 out of 48 people

I was elated to finally get approved for an AMEX card!  And of course the cash bonus was a nice touch. But what surprised me was that I got the bonus immediately.  Typically with other cards, you have to pay the bill and then when the next statement closes, that's when you get the bonus. Not in this case. When I made a purchase that was a little over $1000, my balance was a little over $750. This is a good start and I hope to have many good years with this card.

Blue Cash Everyday® Card from American Express

Oct 26, 2019
Helpful to 8 out of 8 people

How many points did your score drop? I had this happen to me once but it was because an old creditor that I finally paid off started reporting me. When 2 years worth of negative history suddenly popped up on my credit report, card issuers were pulling the plug on me left an right. I hope that Amex doesn't do business this way.

BuyPower Card from Capital One®

Jun 06, 2017
Do the math on the 5% Rewards
Helpful to 5 out of 5 people

I had a 630TU that suddenly dropped down to 559 even though I pay my bills on time consistently. So today I'm sitting in front of my computer staring at the 559 on the screen when the offer for the BuyPower Card comes in the mail. I figure that a hard pull can't hurt me any worse than the 71-point-hit did but I was pleasantly surprised to get approved. I already have CAP1 store cards and visa & MC cards from cap 1 so I like dealing with a company that I'm familiar with.

Journey® Student Rewards from Capital One®

Mar 29, 2017
They gave me a chance! THANK YOU!
Helpful to 22 out of 27 people

My credit limit is low in comparison to other cards that I've obtained since opening this account. But in spite of that, getting $300 unsecured right off the bat opened up many more opportunities to rebuild. It was quite a thrill to get back into the game again after several years of pre-paid and debit cards with monthly fees. The interest is high but... so what? As far as I'm concerned, they gave me $300 sight unseen.

Target REDcard™

Nov 29, 2019
Helpful to 2 out of 2 people

Same here. I couldn't get a CLI until I carried a $300ish balance. And suddenly I got bumped up to $2300

Merrick Bank Double Your Line™ Visa® Credit Card

Mar 02, 2017
Helpful to 2 out of 2 people

LOL @ "No whining about being a few days late". I am fortunate that I have a decent bank that I deal with because this was the one card that I almost let get away from me. I just happened to log into my account only to realize that TODAY was the DUE DATE and it was 11:45 PM! I scrambled to make my online payment and didn't hear anything for a couple of days. Then when I got the email confirming that the payment posted, I was so happy that I didn't get dinged. That was indeed a close call.

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