Happy day - looks like I have acredit card to build credit with!

[Udella&Wiz 325]

Hey all - couldn't find my original thread where I moped about Target turning me down and then even my own bank on a joint application with my husband.

The update on both situations was:

Target - I responded politely by mail with more details, copies of the credit reports I'd gotten from each agency, a photocopy of my Cdn SIN # , a utility bill with my address and information regarding why nothing was found on a couple of the credit reports. I got a nice thin letter from them this week, stating that they were sorry I was disappointed with the original decision, but it still stood - based on the lack of information they got from the credit bureaus (none for me of course since I've only been here 1.5 yrs).

Bank - couldn't do anything either...basically got the line about 'these are tight times, we can't extend credit to people who may be a poor risk....blah blah'

So I applied for Bank of America secured credit card - wasn't a sure thing, still needed to be approved...looks like they took out my automatic deposit this morning so it's a done deal! I should be recieving a card with MY OWN NAME on it soon. Yes, it's secured, but at least it's a start. This seems like the first good news I've had in a while.

Anyway - Happy Thursday

[reeses16 8]

Congratulations! Its tough to get credit now- but you succeeded!

[Flames9_RN 358]

cool, pick me up, and lets go for coffee, your treat,lol

[JillA 2]

Awesome! I need to think about getting some credit established soon.

[Kimbear 53]

Hey all - couldn't find my original thread where I moped about Target turning me down and then even my own bank on a joint application with my husband.

The update on both situations was:

Target - I responded politely by mail with more details, copies of the credit reports I'd gotten from each agency, a photocopy of my Cdn SIN # , a utility bill with my address and information regarding why nothing was found on a couple of the credit reports. I got a nice thin letter from them this week, stating that they were sorry I was disappointed with the original decision, but it still stood - based on the lack of information they got from the credit bureaus (none for me of course since I've only been here 1.5 yrs).

Bank - couldn't do anything either...basically got the line about 'these are tight times, we can't extend credit to people who may be a poor risk....blah blah'

So I applied for Bank of America secured credit card - wasn't a sure thing, still needed to be approved...looks like they took out my automatic deposit this morning so it's a done deal! I should be recieving a card with MY OWN NAME on it soon. Yes, it's secured, but at least it's a start. This seems like the first good news I've had in a while.

Anyway - Happy Thursday

hmm i think i just found a link to this...is it the secured visa card?

According to Bank of america it's for those who want to build or rebuild their credit.

Sounds like a viable option for me.

[Misty1979 0]

Congrats, that's great news!

I found that Capital-One has a pretty easy-to-obtain credit card. The starting limit is low, and the interest is high, but as long as you pay it off each month you're golden.

[Autumnchik 6]

Yay! I'm glad you got something worked out.

[Udella&Wiz 325]

Hey all - couldn't find my original thread where I moped about Target turning me down and then even my own bank on a joint application with my husband.

The update on both situations was:

Target - I responded politely by mail with more details, copies of the credit reports I'd gotten from each agency, a photocopy of my Cdn SIN # , a utility bill with my address and information regarding why nothing was found on a couple of the credit reports. I got a nice thin letter from them this week, stating that they were sorry I was disappointed with the original decision, but it still stood - based on the lack of information they got from the credit bureaus (none for me of course since I've only been here 1.5 yrs).

Bank - couldn't do anything either...basically got the line about 'these are tight times, we can't extend credit to people who may be a poor risk....blah blah'

So I applied for Bank of America secured credit card - wasn't a sure thing, still needed to be approved...looks like they took out my automatic deposit this morning so it's a done deal! I should be recieving a card with MY OWN NAME on it soon. Yes, it's secured, but at least it's a start. This seems like the first good news I've had in a while.

Anyway - Happy Thursday

hmm i think i just found a link to this...is it the secured visa card?

According to Bank of america it's for those who want to build or rebuild their credit.

Sounds like a viable option for me.

That is the one - the yearly fee wasn't quite as BAD as some of the others. And it's a REAL bank - I was hesitant about some others

Edited April 23, 2009 by Udella&Wiz

[MapleLeafBaby 1]

Hey congrats!!!!

Anything is a start!!!!

I found out this week that I got approved for my Amex here in Canada....I heard I can trans to my SSN when I get there.

Also, the day after I cross over I plan on applying at Target...I figure I could still use my Canadian credit info etc... Technically it's the same day I woke up in Canada...LOL! Hope it works! They messed it up last time...with half Can info and my fiancés US address

[Carlawarla 1]

Wow, congratulations! I noticed the bolded " IN MY NAME" Part. How cool is that eh?

[JillA 2]

Capital One sent me a credit card application in the mail, they must have gotten my name from a mailing list or something? As they are not my bank. Anyway, I applied on line and even listed myself as a homemaker since I have no job yet, and I was approved!! Not sure the limit yet, it's probably small like $500. I should get that info in the mail with my new card in a few weeks! So it's a good start for me, to start slowly building credit in my own name! I'll use it a few times per month and pay it off.

[movingsoon1 0]

Congratulations! Happy shopping. I'll try what you did.

[JillA 2]

Congratulations! Happy shopping. I'll try what you did.

Thanks! I had such excellent credit in Canada, it's disheartening to start from scratch

[J&K 0]

Hey congrats!!

Glad something worked out for you

Soon enough you'll be able to gain more credit and have a happy little credit report and score

Also, congrats to JillA

I too had good credit in Canada and hated having to start from scratch. I'm coming up on my 2 year credit mark, which is like golden down here.

Don't need any more credit however...have enough. Next thing is a mortgage