kashmac123 wrote:Let's share the love. People out here need a bank that will work with them without charging them 2 legs and an arm.
Usaa is good to go. Go get it. Be smart and don't over spend on it so you can pay it off every month
This is the best card for rebuilding your credit and habits.
Just try to google credit cards for rebuilding credit and some of the worst cards with the most ridiculous terms pop up. There's one with a $95 application fee, $75 annual fee, $9.95 monthly maintenance fee and interest is charged on purchases from day 1. Then when it's all said and done, I think you only get a $200 credit line anyhow. The idea is, anyone is approved, but they don't want you to use the card, just open the line of credit, pay the fees and let it report as an open account in good standing.
I know I just got my Capital One card last weekend and I decided to send them an additional $600 deposit so now I should have and $800 limit, but it's not showing up yet.
Honestly, I was looking at a place called Merrick Bank for my second card because their secured card is a Visa and for whatever reason, my whole family is partial to Visa. But then a friend pointed me toward USAA because they let you put your deposit in a CD that earns interest instead of just holding on to your money for 2 years. I would then have 2 Mastercards, but I see no advantage in taking the Amex. Several businesses in this small town are dropping Amex and will no longer accept it due to higher merchant fees.
Of course I'm sure I haven't been looking hard enough......every time I look a little more something else pops up.