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Discover Card Anyone?

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    #1

    Discover Card Anyone?

    Okay...haven't even opened it up yet...but I have in my hot little hand, a pre-approved Discover card solicitation.

    I do believe "D" is from Sears? Which I had YEARS ago, probably a -0- on my credit rap sheet....I also did have the Discover years ago as well.

    I don't really need it...but should I ? (just for the heck of it)
    Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
    Who it was we were below, where we've been and where we go
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    #2
    Don't get credit "just for the heck of it." This is just my opinion.

    Get credit purposefully: to help rebuild your credit and to improve your FICO score. This is part of being responsible for credit.

    I wouldn't go for pre-approved solicitation offers. They're giving you an offer you either accept or don't. I'd much rather go to them and see what they can offer me or! I take my business elsewhere.
    Chapter 13 Filed "Old Law"
    Filed: 6/2003 Confirmed: 3/2004
    Early pay off sent: 10/05/2007 - 9 months early
    11/16/2007 - Discharged!

    Comment

      #3
      Originally posted by chpxiii View Post
      Don't get credit "just for the heck of it." This is just my opinion.

      Get credit purposefully: to help rebuild your credit and to improve your FICO score. This is part of being responsible for credit.

      I wouldn't go for pre-approved solicitation offers. They're giving you an offer you either accept or don't. I'd much rather go to them and see what they can offer me or! I take my business elsewhere.
      I hear ya! I've got Hooters, HSBC & a Racetrack for gas...Will be hopefully taking my Xmas $ and paying off two of them in full.

      I have no idea whatsoever what my FICO score is....if I could find out for free great, otherwise, it's obviously not too bad because I have good limits & no issues. Going to get rid of the Hooters as it's 29% interest & $72/year...but it was my "first" cc out of my bk so....I'll get over it!
      Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
      Who it was we were below, where we've been and where we go

      Comment

        #4
        You won't get your FICO score for free, I can tell you that.

        One way you might be able to is if you apply for a loan and then ask them what the number is. Otherwise, your FICO score is a product of Fair Isaac. They know you want that information so they'll be more than happy to sell it to ya!

        It's good to know, atleast once a year.
        Chapter 13 Filed "Old Law"
        Filed: 6/2003 Confirmed: 3/2004
        Early pay off sent: 10/05/2007 - 9 months early
        11/16/2007 - Discharged!

        Comment

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