Kicker wrote:Thanks for your reply Deville..really appreciate it. Yeah I'm hoping I cancelled it in time. I'm guessing if I were to call too late, they might've said something about how I would still need to pay the annual fees and what not. If a trade line does pop-up, do you by any chance know how long it would take for it to pop up? Is it as soon as the card is mailed out?
Well I'm glad things turned out okay regarding your discover card. I definitely will read the information on credit-cards from now on and also google to see what other people have to say. I still can't believe I applied for that damn card haha.
Sorry for the late response. Depending on the bank, the trade line can appear almost instantly or it can take up to two billing cycles to appear.
Yeah, banks like Credit One, Applied Bank and First Premier rely on people not understanding what their banks really are and that there are other options. For some people, these banks really do help and it is a "scratch my back and I'll scratch yours" type of deal. If you use them for a year or two for positive credit they use you for the fees. As long as both parties are okay with that, then fine. But I always suggest secured credit cards first.
Glad you caught it in time!