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Written by: gotti03ss on 2011-02-28

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gotti03ss's review: I was approved back in May of 2010 FICO score at the time was 655. Annual fee was $59 which I immediately called and got cut in half. I would never give any credit card company upfront such a high fee with such a low limit. Always ask for a reduced annual fee. Inform company their fee is was too high for my limit. Household Bank sucks their so stingy with their limits and cli if you ever even get one. What can a person do with a $300 credit card at Best Buy. My girlfriend has same card all they gave her was $100 increase a little after a year of on time payments. I cant wait to get a prime card so I can tell these crap cards to beat it. I've asked for a credit increase a few times denied each time. My Balance has been at $0 since October. They don't want to give me a decent limit so I refuse to spend a dollar with them. They do report ever month to all 3 bureaus of my $0 balance. They report between the 5th and 10th of each month. Capital One is better which I have as well least they give you cli before a year and you speak to people who speak clear English.

2 Comments

Comment 1 by joeyman
Re: Approved on 2011-03-01

I agree. Getting a prime card will be much better. Perhaps now it's time to let all your accounts age? Good luck.
Comment 2 by wanderer
Re: Approved on 2011-03-01

It is good to get approved and start rebuilding credit. However, after awhile one needs to seek prime cards. Too many inquiries will hold you back from the primes and credit line increases. Speak with experience. Other secured or unsecured card issuers might be a credit union, Citi Bank.
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