Regarding the CCT account, I am going to hold off for a month or 2 until these new accounts are reporting before I sign up. Unless someone strongly encourages me to go after another, specific, card or something similar that will have a large, positive impact on my credit score. I am going to let things go for now, pay the new card balances off and let things build up/recover from the 2 HI's. This brings my total number of open accounts to 3 - my car loan which has about 2 years left, and these 2 new credit cards. Either of these approvals alone is enough to surprise me but both them just blows me away! I already had some things in my cart so I applied for the card during checkout and was approved for $800 on the spot. Prior to reading this I had discovered that the Amazon Store Card was backed by the same bank that backs the HH Gregg store card and I figured I would have better luck getting a second approval there then I would at a different financial institution. The HH Gregg approval has given me hope that I can repair my credit and help to be better prepared for emergencies. It's the only inquiry I have made since my car loan many years ago. I was approved for the HH Gregg card on Saturday, 2 days ago. Based on what little information I have provided, could I expect to be approved at something like Walmart, Target, or similar? I've read about Fingerhut, Emporium, and My Jewelers Club but none of them really interest me. However, based on the HH Gregg approval, is it possible that I could be approved for 1 or 2 more store cards right away? I would only use these cards to make one purchase every few months and then pay it off, just to keep the credit revolving, the accounts open, and the utilization low. I do not have any idea what my scores are. I understand this is low but it has sparked a renewed interested in me to repair my credit. I expected to by denied and then just pay cash. I hadn't even tried to apply for credit since my car loan and kind of just assumed I still had terrible credit. However, for some reason, I figured I'd take a shot at it. Other than that, I haven't had a credit card or loan in many years.ĭuring my Christmas shopping I was at HH Gregg picking up a TV for my parents and they offered me the typical credit card offer to which I always refuse. I have a car loan that is about 3 years old and never late. I had a personal loan about 5 years ago (with a co-signer) that was never late and eventually paid off early. Now they keep auto charging me with cost increasing for NO reason.I have had bad credit for years and have basically not touched it or tried to do anything with it in several years. Only reason we went through finance was because we could pay it off in four months (to have extra cash on hand for emergencies.) I wish we had paid in full to begin with. I have paid over DOUBLE what the furniture cost was. I spoke with supervisors instead of dealing with the rude representative that I had before, but got NO call backs. I tried calling the business that we made purchase from (Bob's Furniture) & they told me in their system we were paid in full, that I had to talk to the finance kiosk within the store. Then we started getting notifications for charges twice a month, phone calls saying we were "late" on payments (which was impossible since they were still auto withdrawing monthly) Now a completely different person starts handling our account, calling & being very rude, laughed that we were "No where NEAR" done paying off our purchase. We applied & were told that if we kept up with our monthly payment in four months that we wouldn't incur interest & our purchase would be paid off. From one fool, please same your time money up. The Frederick value city in Maryland, please don't bother. There were three stores near my previous residence. Renter centers didn't want to pick their products. However, I abandoned the merchandise for not giving them proper time to arrange a pick-up. Christine acknowledges my effort of calling them to pick. I waited for Neary four months to hear from the district manager, Christine. Lastly, I called the customer service line. I also waited for their district manager to return from vacation because the store had no updates. I also waited for their manager meeting so they can give me updates. They gave me a runaround about waiting on their district manager. I called the Frederick, MD store multiple times from the end of January to March to arrange their merchandise to be pick-up. I asked them to pick it up and they never did.
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