mylifeisprettycool

2 Contributions 1 People Helped

Member Since: April 2014

Most Helpful Contribution

Victoria's Secret Angel Credit Card

Apr 01, 2016
Love this card!
Helpful to 1 out of 1 people

I got this card when shopping online and my credit wasn't really good at the time.  I was ordering online when I got pre approved at the checkout.  This was before I knew what the shopping cart trick was.  I started with a limit of $250 (with no hard pull) in July of last year.  I used it a few times and always paid early.  I requested an increase online and it went up to $650.  I am really happy with them, they took a chance on me with almost no good credit and a couple bad things (was a cash person for years and others have dented my credit but I am fixing it.)  

I do recommend that you pay it off in full each month or else the interest will get out of control - it is a high rate.   I have not had a problem with them at all.  You can pay online or in store.  I just wish you could use a debit card to pay in the store, but oh well cash works.   We have 3 girls in the house, so it is worth it to have the rewards with this card.  If you are responsible with this card and will use it at least a couple times a year, it is a card I recommend.

Activity (2 Total Contributions)

Victoria's Secret Angel Credit Card

Apr 01, 2016
Love this card!
Helpful to 1 out of 1 people

I got this card when shopping online and my credit wasn't really good at the time.  I was ordering online when I got pre approved at the checkout.  This was before I knew what the shopping cart trick was.  I started with a limit of $250 (with no hard pull) in July of last year.  I used it a few times and always paid early.  I requested an increase online and it went up to $650.  I am really happy with them, they took a chance on me with almost no good credit and a couple bad things (was a cash person for years and others have dented my credit but I am fixing it.)  

I do recommend that you pay it off in full each month or else the interest will get out of control - it is a high rate.   I have not had a problem with them at all.  You can pay online or in store.  I just wish you could use a debit card to pay in the store, but oh well cash works.   We have 3 girls in the house, so it is worth it to have the rewards with this card.  If you are responsible with this card and will use it at least a couple times a year, it is a card I recommend.

How to dispute an error on your credit report

Apr 01, 2016

I would love to be able to do that! Experian and Equifax both have a judgement listed on my report that is not accurate.  I saw it and went to the court house to get info on it and the court house gave me the paper that shows it is another person (totally different name) and a different creditor from what was listed on my report.  And she said that it was settled before a judgement was even entered anyway.  Transunion took it off in the dispute, but the other two said they verified it was mine and it remains.  No idea how when the court house shows me it's not even close to my name.  The aggravation this has caused!!