- Centurion Member
- Posts: 639
- Joined: Sat Aug 24, 2013 8:45 pm
- Location: Grand Forks, ND
Welcome to the forum, bikerchick. Don't think I'm an expert, but I've been through the school of hard knocks...
I went through a lot of what you went through as well and I know how you feel. One of the things you have to do is teach yourself a new way of looking at credit cards. Credit cards are like a lot of things in life... if you use them in the right way, they can have lots of positive effects. If you don't- they can f___ up your life. Sort of like alcohol... one guy drinks casually, uses it to drink socially with friends, knows when enough is enough and get's the added benefit of reducing the risk of heart disease. Another guy drinks until he passes out, alienates his friends and family and gets liver disease. That's probably not the best analogy, but I think you get the basic idea... two people have the same credit card and one accumulates cash and travel rewards while the other goes bankrupt.
So where do you go from here? There are a number of good rebuilders out there such as the Capitol One Quicksilver which pays 1.5% percent back. Or you could try the Barclaycard Rewards card for good credit(I have the one for average credit and got approved for $1500). The important thing is to never use it for anything other than what you would use it for anyway and use it like a charge card.
Good luck and I hope I helped...
In my Wallet:
Sometimes in my Wallet:
- Amex PRG NPSL[3-14, bd 91]
- Sallie Mae MC $8000[1-14]
- Chase Freedom $4700[1-14]
- Discover It $2750[8-13]
- BoA UCF Alumni Cash Rewards $5000 [3-15]
- GM BuyPower WEMC $5000[9-14]
- Wells Fargo Propel 365 Amex $7000[4-14]
- Barclaycard Arrival WEMC $7000[3-14]
- BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450