From 720 to sub 500 Fico

For just about anything you want to get off your chest about credit cards.
16 posts
Robrus1
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Location: Texas

Postby Robrus1 » Sat Apr 13, 2013 8:27 pm

You've got 8K and you owe Chase approximately 6K? I'd call Chase and pay them the 6K in full. With 2K can you not meet your minimum payments on your other cards for a while until you can make some more money? School is important, but what you're doing can really mess you up for a long time. After you graduate you may want to buy a car or a home, and this will come back to haunt you, and could cost you tons of money in interest rates. Do yourself a favor and find a way to make money and pay your minimums. Offering Chase $600 is out of the question.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K


MemberSince99
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Location: WI

Postby MemberSince99 » Sat Apr 13, 2013 8:56 pm

cashback wrote:I don't think most people rack up CC debt they cant afford and think its okay to pay back pennies on the dollar, if any at all. He is being judged because he decided to put his story out on a public forum. He acted irresponsible and now he should work to pay back every cent he owes. That's the problem with everyone these days. They mess up and then they expect to be forgiven.

OP is getting exactly what he deserves. He shouldn't be given any credit for a long time.


We don't know the circumstances. You and I really don't know if he racked up debt he coulnd't afford or if he got hit with a job loss or medical bills, we don't know. Do you just assume that everyone who is out of work is a lazy good for nothing deadbeat who deserves to starve to death? (If so I bet I can guess how you voted...)

I just would avoid making judgements without knowing facts.

dima202
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Location: Brooklyn, NY

Postby dima202 » Thu Nov 27, 2014 2:29 pm

Update-
I payed off the Chase card with the 0% apr offer they offered.
Thanks for all the advice.

To all those who think I was trying to avoid responsibility, that was not the case. I just needed some perspective.

popamode72
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Location: Atlanta, GA

Postby popamode72 » Thu Nov 27, 2014 2:49 pm

dima202 wrote:Update-
I payed off the Chase card with the 0% apr offer they offered.
Thanks for all the advice.

To all those who think I was trying to avoid responsibility, that was not the case. I just needed some perspective.


I've never seen this thread before but I'm very happy for you and how you were able to get your problem there resolved. I hope you've learned a lot from your experience.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Vattené
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Postby Vattené » Thu Nov 27, 2014 8:50 pm

This was also started before my time, but thanks for the update. It's good to see people making progress. It sounds like things have turned up for you financially. Congrats on getting yourself out of that hole!
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

takeshi
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Postby takeshi » Thu Nov 27, 2014 9:21 pm

(once again hit reply too quickly)



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