babydtc23 wrote:Nice editing. You sure are obsessed with me. If someone bothered me as much as I apparently bother you, I would put them on ignore
Nevermind
Credit Cards!
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 DoesThatSparkle |
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Posts: 2830 (06/25/2009 7:40 PM) |
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babydtc23 |
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Posts: 7242 (06/25/2009 7:41 PM) |
Watch out with anything by Citibank. When I had them as one of my first cards, andwas late on one payment they hiked my APR up to the maximum, like 28% or some
shit.
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DoesThatSparkle |
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Posts: 2831 (06/25/2009 7:43 PM) |
Kamadzea wrote:Then you just build credit like anyone else who doesn't have credit. You try and get approved for anything you can....you might have someone co-sign things for you, etc. etc. It can be a challenge unfortunately, but it makes sense that lenders are strict on approving people, especially new people. |
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babydtc23 |
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Posts: 7243 (06/25/2009 7:44 PM) |
DoesThatSparkle wrote: I edited for your sake, bitch. I can repost if you'd like. I am not obsessed with you, but the posts you make 99% of the time are holier than thou and knowing what JJB knows about you and your lying and phony self, it needs to be addressed occasionally. Just putting you in check. |
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Sweetie1384 |
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Posts: 15490 (06/25/2009 7:44 PM) |
DoesThatSparkle wrote: You all probably think I'm a idiot fact is I only ever had was bank accounts , and what not, so this is all new to me. I am very responsible but the sad thing is that isn't always the reasons you get credit which sucks. I just like to have some back up in case of an emergency or what not. Its not like I will spend spend spend lol.. I am not like that.. But you are awesome guys
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DoesThatSparkle |
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Posts: 2832 (06/25/2009 7:47 PM) |
babydtc23 wrote:lol ok. And you're an idiot...all credit cards will jack up the rate exceptionally high when you are even 1 day late on a payment, not just citicards. It's called the default rate which you apparently know nothing about. I don't think it's best you should be in this topic Just exercising my holier than
thou attitude!
And I've never lied about anything so thanks
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babydtc23 |
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Posts: 7244 (06/25/2009 7:54 PM) |
DoesThatSparkle wrote: Wow, you are a bigger nutjob than previously thought.  Not all credit
cards jack up the APR after just one day late payment.LMAO! Most of them wait at least until the next billing cycle. Ever heard of a grace period, some
credit cards have those too. Being one day late does not take you to that high of a rate, and most of the time the default rate IS NOT even close to that high,
but is usually what they have as the current rate at the time for purchases.
So if you signed onto the card with a 5.9% APR and you default on payment it can go to the current rate which maybe 9.9% or 15.9%, but very rarely does it go to the extreme high rate of 28%. Oh and you have lied about what you look like and where you live.
Edited By: babydtc23
06/25/2009 7:56 PM.
Edited 1 times.
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DoesThatSparkle |
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Posts: 2834 (06/25/2009 7:56 PM) |
Nope
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babydtc23 |
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Posts: 7245 (06/25/2009 7:57 PM) |
DoesThatSparkle wrote: Thanks for admitting you are the moron and only act like you know what the fuck you are talking about most of the time. Have a good day! BTW-Nice edit, because you just basically admitted you lied about your pictures. 
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Kamadzea |
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Posts: 5644 (06/25/2009 7:58 PM) |
DoesThatSparkle wrote: And how long after you get a store card or get one cosigned could you get a "real card" (my question mark key doesn't work anymore ) |
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JoeysMyPhatone |
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Posts: 7350 (06/25/2009 8:01 PM) Joey Fanatic '02 |
babydtc23 wrote: Agreed. They were my first card and they were truly awful. Just make sure you're paying the whole sum. |
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LuvBug |
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Posts: 3324 (06/25/2009 8:03 PM) |
I was going to go with Citi or US bank. I only plan on spending $50-100 a month and paying it all off.
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DoesThatSparkle |
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Posts: 2835 (06/25/2009 8:04 PM) |
babydtc23 wrote:I think it's best you put me on ignore. You've had 2 "outbursts" back to back about my comments today. I would never let anyone on a message board bother me that much
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babydtc23 |
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Posts: 7246 (06/25/2009 8:06 PM) |
DoesThatSparkle wrote: No way! I have to protect the normals from the crazies like yourself. |
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DoesThatSparkle |
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Posts: 2836 (06/25/2009 8:06 PM) |
Kamadzea wrote:I mean, it just depends. Lenders are changing their criteria all the time. You might be able to get a "real" card right away using a company like citicard (citibank, actually), or US Bank since they approve beginner people a lot easier. |
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Sweetie1384 |
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Posts: 15492 (06/25/2009 8:08 PM) |
Is the Citibank really that bad of a company? I just applied for one
 I hope its not as bad as people say!
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grayspeckledgoose |
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Posts: 15031 (06/25/2009 8:09 PM) |
CapitalOne.
That was my first ever credit card. It doesn't have any perks or anything, but the interest rate is 8.9%. |
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LuvBug |
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Posts: 3329 (06/25/2009 8:11 PM) |
Oh yeah CapitalOne! I forgot about that one. I'll check it out.
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DoesThatSparkle |
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Posts: 2837 (06/25/2009 8:13 PM) |
Sweetie1384 wrote:No they're fine. I've had my card with them for 7 years and haven't had one problem. Everyone is going to have good and bad stories for every company out there. |
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Sweetie1384 |
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Posts: 15493 (06/25/2009 8:18 PM) |
LOL Thank you!
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