betterfortomorrow

3 Contributions 11 People Helped

Member Since: March 2016

About Me: I'm just trying to get my crap together after letting it slip through the cracks during my youth.

Most Helpful Contribution

Capital One® Platinum Credit Card

Apr 22, 2016
This was my first 'recovery' credit card
Helpful to 7 out of 8 people

I let my credit go when I was a teen/early 20's. It was in shambles. I began working to fix it around 25 (about 3 years ago) and after opening and closing a secured card with my bank, I received offers for this card. I was reluctant but after 5 months or so of sporatic offers, I tried it. I was approved intially for $300, then bumped to $500, then $800 and now I'm around $1700. I've had this card for roughly 2 years. My starting credit score was around 550 and I was making around 25k/annually.

They've been really nice to help me whenever I need assistance or have questions. The interest rate IS high but it's a really great card and it's nice they take a chance on us 'less desirables'. I now have the BuyPower card as well, you know, because rewards. 

Activity (3 Total Contributions)

Capital One® Platinum Credit Card

Apr 22, 2016
This was my first 'recovery' credit card
Helpful to 7 out of 8 people

I let my credit go when I was a teen/early 20's. It was in shambles. I began working to fix it around 25 (about 3 years ago) and after opening and closing a secured card with my bank, I received offers for this card. I was reluctant but after 5 months or so of sporatic offers, I tried it. I was approved intially for $300, then bumped to $500, then $800 and now I'm around $1700. I've had this card for roughly 2 years. My starting credit score was around 550 and I was making around 25k/annually.

They've been really nice to help me whenever I need assistance or have questions. The interest rate IS high but it's a really great card and it's nice they take a chance on us 'less desirables'. I now have the BuyPower card as well, you know, because rewards. 

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apr 22, 2016
I like Cap One.
Helpful to 3 out of 3 people

I applied for this card based on "good" CK odds. I have two Cap One cc's and a couple of store cards elsewhere. My utilization is quite high at the moment, about 70% give or take, but I did just pay down some lower balances. Avg score is around 620. I did the "pre-qual" on the Cap One site FIRST and it didn't have any matched offers. However, it still recommended QS card as well as the Venture card. I applied for the QS card and got:

"We attempt to provide an application decision in 60 seconds or less. On occasion, system availability affects our ability to make a credit decision or, in some cases, we need to collect additional information. Unfortunately, we need more time to look into this for you.

Keep an eye out for additional details regarding your application via email or mail within 7-10 business days."

Usually, this means denied in my experience. That's fine. I just wanted to see what would happen. So far, my experience with 'recommendations' via CK haven't panned out. 

Best of luck!

Springleaf Financial Personal Loans

Apr 04, 2016
It's possible to be approved with a 600.
Helpful to 1 out of 1 people

I applied and was approved for an unsecured loan via Springleaf. My credit score is around 600 and I have a couple bad things on my report, one of which is identity theft and being handled. I applied for about $4000. However, I was told to come in and when I took off early to get there before closing, they rejected me for insufficient paperwork. The associates were unsincere and don't really care about you, you are a number to them. This was at least at the branch I went to in Lexington, KY. I will try another branch before finalizing any negative feeling towards the company. 

Note, they will call before approving you and ask you a thousand questions.