Home Discord Chat
Go Back   ChiefsPlanet > Nzoner's Game Room
Reload this Page Money How does one get credit?
Register FAQDonate Members List Calendar

Reply
 
Thread Tools Display Modes
Old 04-02-2013, 02:30 PM   #1
R8RFAN R8RFAN is offline
Molôn Labé
 
R8RFAN's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
Quote:
Originally Posted by Pawnmower View Post
from what i understand you should have 3-4 credit cards that you charge things to (you can still pay them off) so they remain active....(unsecured aspect)

also, if it has been a while since you have had a secured loan (car or house etc...) you should try and get a secure loan, even if you just pay it off...this could be the biggest factor in why your score is low. You might try to get a HELOC....use it once a year to make a large-ish purchase, then pay it off.....that may be all you need to do for the secured aspect.

I think you are wise to want to raise your score. I'm in a similar position, but my score is now 750ish...I would like to try for 800+
I actually looked at some credit cards that said I had a high possibility of being approved for but they are shit cards that want 39 bucks a year for the privy of taking space up in my wallet...

The system sucks if you ask me
Posts: 23,166
R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.
     Reply With Quote
Old 04-02-2013, 02:34 PM   #2
Ming the Merciless Ming the Merciless is offline
Emporer of Mongo
 
Ming the Merciless's Avatar
 

Join Date: Apr 2010
Location: Milky Way
Casino cash: $2717556
Quote:
Originally Posted by R8ers View Post
I actually looked at some credit cards that said I had a high possibility of being approved for but they are shit cards that want 39 bucks a year for the privy of taking space up in my wallet...

The system sucks if you ask me
try to find some with no fees - like credit union or open another savings at another local bank etc...

also if you shop at home depot or something...even dept store cards will work...

you just need something you can use once in a while
__________________
----
2018 Adopt-A-Chief : Chris Conley

2017 Adopt-A-Chief : FRANK ZOMBO

Click here-->***The Holy Chiefsplanet Lexicon ****
Posts: 44,496
Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.Ming the Merciless is obviously part of the inner Circle.
     Reply With Quote
Old 04-02-2013, 02:36 PM   #3
R8RFAN R8RFAN is offline
Molôn Labé
 
R8RFAN's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
Quote:
Originally Posted by Pawnmower View Post
try to find some with no fees - like credit union or open another savings at another local bank etc...

also if you shop at home depot or something...even dept store cards will work...

you just need something you can use once in a while
I have thought about a Lowes card to buy something then pay it off.. That will probably work
Posts: 23,166
R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.
     Reply With Quote
Old 04-02-2013, 02:46 PM   #4
loochy loochy is offline
Hey Loochy, I'm hooome!
 
loochy's Avatar
 

Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $1890752
Quote:
Originally Posted by R8ers View Post
I have thought about a Lowes card to buy something then pay it off.. That will probably work
yeah, but do that with EVERYTHING

Get some kind of card that gives a cashback reward, such as my costco amex or my wells fargo visa. There's no annual fee and I just charge everything I can to the cards - all groceries, gas, bills, everything that is eligible. I just pay them off at the end of the month. I pay no interest and I get 1% back on everything from both of them (sometimes up to 3% back from the amex, depending on what I buy).
__________________
Hey Loochy, I'm hoooome!
Posts: 40,588
loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.
     Reply With Quote
Old 04-02-2013, 02:47 PM   #5
The Franchise The Franchise is offline
Most Valuable Villain
 
The Franchise's Avatar
 

Join Date: Dec 2006
Casino cash: $2855047
Quote:
Originally Posted by loochy View Post
yeah, but do that with EVERYTHING

Get some kind of card that gives a cashback reward, such as my costco amex or my wells fargo visa. There's no annual fee and I just charge everything I can to the cards - all groceries, gas, bills, everything that is eligible. I just pay them off at the end of the month. I pay no interest and I get 1% back on everything from both of them (sometimes up to 3% back from the amex, depending on what I buy).
I've got a credit card with Wells Fargo that takes 3% of everything I purchase and applies it to the principal on my mortgage. Best credit card ever.
Posts: 92,293
The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.The Franchise is obviously part of the inner Circle.
     Reply With Quote
Old 04-02-2013, 02:47 PM   #6
R8RFAN R8RFAN is offline
Molôn Labé
 
R8RFAN's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
Quote:
Originally Posted by loochy View Post
yeah, but do that with EVERYTHING

Get some kind of card that gives a cashback reward, such as my costco amex or my wells fargo visa. There's no annual fee and I just charge everything I can to the cards - all groceries, gas, bills, everything that is eligible. I just pay them off at the end of the month. I pay no interest and I get 1% back on everything from both of them (sometimes up to 3% back from the amex, depending on what I buy).
Yea I will probably try this...

Thanks to all of you.
Posts: 23,166
R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.
     Reply With Quote
Old 04-02-2013, 02:35 PM   #7
cosmo20002 cosmo20002 is offline
Debunking your bullshit
 
cosmo20002's Avatar
 

Join Date: Aug 2002
Location: KC area
Casino cash: $5000315
Quote:
Originally Posted by R8ers View Post
I actually looked at some credit cards that said I had a high possibility of being approved for but they are shit cards that want 39 bucks a year for the privy of taking space up in my wallet...

The system sucks if you ask me
There are tons of credit cards out there with no annual fee. Get a couple from different companies, buy some stuff and pay off the balance. It will raise your score.

http://www.capitalone.com/credit-cards/
Posts: 52,592
cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.cosmo20002 is obviously part of the inner Circle.
     Reply With Quote
Reply

« Previous Thread | > Nzoner's Game Room < | Next Thread »

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Forum Jump




All times are GMT -6. The time now is 11:06 PM.

Contact Us - ChiefsPlanet - Archive - Top

This is a test for a client's site.
Fort Worth Texas Process Servers
Covering Arlington, Fort Worth, Grand Prairie and surrounding communities.
Tarrant County, Texas and Johnson County, Texas.
Advertise with us!
Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2024, vBulletin Solutions, Inc.