- 7/2010 Chapter 7 Bankruptcy
- 9/2011 Approved for HSBC Plaitnum Master Card $300 Limit $75 Annual Fee
- 5/2012 Approval of Limit Increase to $400.
I had an option to go with a secured credit card but, thought it would be better to get an actual credit card although there's an Annual Fee. That was also the best one I got in the mail. I am also a verified 2nd user on my Fiances Capital One Venture Visa Card $3,000 Limit. I have a card with my name on it. I doubt that helps me.
I need help on how to improve my situation. Should I cancel with HSBC and go with a secured card from capital one? HSBC I'm sure would waive the annual fee every year but, that's more hassle for me. Should I cancel with HSBC and go with the Capital One Cash Rewards Card (if I get approved) at $39 annually?
I also do not know my current credit score. Last time I checked, over a year ago with freecreditreport.com it was around 550. Canceling my trial was a huge hassle.
Please help me =)
p.s. I completely Hate HSBC's website. It's a complete mess.