Who is the Worst & Why???

[duplantisjj]

FYI:

I was just discharged from a no asset chapter 7 case one month ago, and just for the hell of it, applied for an unsecured Capital One card from their website and low and behold I was approved!!!! I got a credit limit of $750, 0% APR until March/2009, and then an APR of 14.99% on all purchases. NO annual fee, NO monthly payments, none of that bullshit. Plus they report to all 3 bureaus and life is good. I must say I'm very impressed with them! No hassels at all!

I had 3 separate cards with Capital One and I doubt those guys will give me credit for at 10 years after the discharge.

Congrats on your approval with them, just make sure you don't miss a payment. That 0% or 14.99% will instantly turn into 30%. That's written into their fine print.

[Stilltheone]

FYI:

I was just discharged from a no asset chapter 7 case one month ago, and just for the hell of it, applied for an unsecured Capital One card from their website and low and behold I was approved!!!! I got a credit limit of $750, 0% APR until March/2009, and then an APR of 14.99% on all purchases. NO annual fee, NO monthly payments, none of that bullshit. Plus they report to all 3 bureaus and life is good. I must say I'm very impressed with them! No hassels at all!

I agree! I applied about a week after discharge and was approved for $1K limit, 0% until December, then 8.9% afterwards. After 3 months of on time payments, they raise my limit another $500!

[Pinkie86]

I always thought it was odd that AMEX is such a bunch of narcissistic jerks with what they think is the best card on earth, yet you can't use their card half the places you shop.

I KNOW! I thought the same thing after I got it. Like "Um, a better question is where CAN I use the card?" lol

When I worked at a Doctor's Office, I heard it's because they charge higher transaction fees comparred to Visa and Mastercard.

[Cali]

I only talked to a few before we filed to let them know. And I talked to a few after. I didn't have a problem with any and all were top companies.

[newlife2007]

Believe it or not after 1 year of not paying anyone and over $190 K included in bk ...

The one card with the smallest balance ( Citi ) retained a law firm, sued for a judgement, went to court and won the judgement for non payment.
We owed them 8K and others were over 40K ... Go Figure !!

[jessegirl]

NEWLIFE2007 - Had you not filed yet when they sued you??