btk4819 wrote:Background - 28 yrs old. Had an AMEX gold from 12/07 - 08/08. Racked up a really high bill and took forever to pay it fully off. It is listed on my credit report as a charge-off. I do plan to write them a letter to try to get that taken off. Payed them in full in 02/11.
My current 674 credit score is also affected by a stupid store card with about $50 on it that I forgot about 2 years ago and paid over 30 days late. I have a number of student loans but not a crazy high balance.
I have had a Capital One no hassle rewards card since 4/11. I have always paid on time. As I have read on here I probably can't ever get a higher limit with them then my stupid $750 current one.
I have a solid job and travel for work. Not having a credit card that can cover expenses prior to reimbursement sucks pretty bad. I got a 'pre-approved' offer in the mail the other day for a Gold Card again. I would love to go for it but don't know if that is the card that I would have any shot of getting right now. Any thoughts?
Does your company offer any small business or corporate cards? since you travel on business obviously you need a card, for starting out right now what do you think about a local bank card, something like a Bank of Houston visa credit card, a lower level like TD bank, keybank? if you tried for the sapphire and chase sees your charge-off of your gold card, plus that 50.00 charge on your store card that you forgot about for 2 years and paid 30 days late I'm sure chase won't approve you, neither will the other 3 major banks.
if your company doesn't offer any company cards, they want you to use your own personal, to build up credit I would suggest applying for a Macys American express credit card or the wal mart Discover. I know they are not geared for business travelers like the gold or the Green but under your circumstances, there credit cards not charge cards they work where ever American express and Discover is accepted
such as airline travel, hotels check in and most restaurants.
1 would be a company card
2 a lower level or local bank credit card
3 would be a store credit card like Macys American express or walmart Discover