i get them once every 3 months

this is my 3rd one within the last 6th month but i never paid them no mind until this last one.

I have the card. As for payents I send it through money order, they post in about 5-7 days. They only gave me a $75 CLI when I requested for one. As for AF being reduced, IDK because this is a subprime issuer. All can say is dont use the card to secure a rent-a-car. They will not release your credit unless you call in and also fax in receipts and form of rental agreement that states its been fulfilled. I believe once you use the card for purchases they charge you the acount maintenance fees. I have this card as a last resort.

i get them once every 3 months

hello everyone.... i just received 5k personal loan offer from citifinancial to which i have no no experience with. have anyone done business with them?

This card is on its way in the mail for me. I have a couple of questions.

Is it easier to use Washington Mutual's Bill Pay instead of mailing them a check? isnt it faster instead of them holding the check for up to 14 days. Since paying through bill pay already guarantees the funds present.

And how is this card on CLIs?

I heard at 6 months it was 100$ then 25$ ever three months there after? (you have to call in of course) anyone had anything different?

How are they on reducing the annual fee at the first year mark?, I know similar companies have.

Also, how long did the card take to get to you? :

And WalMart.

Sorry, thanks for reminding me. That one must've slipped my mind.

The only way to get the REAL FICO is by http://www.myfico.com/Products/Products.aspx or through http://www.equifax.com/credit-score-watch/ but for Equifax only.

Chase ID Protection]I tried it but did not like it what so ever.... The range for the FAKO Score was between 150-930 when the REAL FICO ranges from 300-850...

I have TrueCredit which I absolutely love... It is very user friendly, everything is displayed very neatly and easy to find. That is a big plus for me since im a neat freak... I pay $14.95/month. I get all 3 CR and all 3 FAKO's that range 300-850. I do not know how close it is to the REAL FICO but Ive read that the FICO is usually higher than what TC shows. You can pull every 24hrs if you wanted to. But I only do once a CC has cycled or when a few have cycled just to make sure they reported correctly.

Some additional info]https://www.truecredit.com/popup/cmu/example.jsp?popup=true[/URL]
CR Samples]https://www.truecredit.com/popup/mergeExample.jsp[/URL]
http://www.truecredit.com/pdf/learnCenter/Reading_Your_Report.pdf

WaMu provides its cardholders with TU PFICO score on monthly basis.

The only two co-branded Discover cards I have seen are the Sam's Club Discover and the Direct Merchants Bank (Now HSBC) Discover card.

And WalMart.

American Eagle websites they are offering a Visa version and since GEMB took over Chevron's accounts they are offering a Visa Chevron card. Not sure why they are abandoning the Discover Card.

I've seen that too.

ColoNative, you do not have to add him as a friend, just click on this name Eric and click "Send Eric a Message" then you are good to go. Besides, he need to be awaken anyway, he has been sleep too long

Thanks, Meya,

And I would have to agree!

ColoNative, you do not have to add him as a friend, just click on this name Eric and click "Send Eric a Message" then you are good to go. Besides, he need to be awaken anyway, he has been sleep too long.

The only two co-branded Discover cards I have seen are the Sam's Club Discover and the Direct Merchants Bank (Now HSBC) Discover card.

Yeah me too. Or at least those two are the only ones that GEMB actively markets. Now on the GAP/Old Navy/Banana Republic and even American Eagle websites they are offering a Visa version and since GEMB took over Chevron's accounts they are offering a Visa Chevron card. Not sure why they are abandoning the Discover Card.

Its kind of weird, when Amex and Discover Card won the anti trust suit against Visa/MasterCard all these banks and even credit unions couldnt wait to issue American Express but hardly any banks have started to issue the Discover except GEMB.

Good question! I have not seen any of these. Maybe it was around when my credit was jacked up and I could not apply for a TV guide in my name

Meya you crack me up. Good idea, in order to send him a message I have to add him as a friend? I will have to work on that one.

As far as them being issued a while back, I have seen on some credit reports some that were opened as recently as 4/08. Its driving me nuts.

The only two co-branded Discover cards I have seen are the Sam's Club Discover and the Direct Merchants Bank (Now HSBC) Discover card.

Good question! I have not seen any of these. Maybe it was around when my credit was jacked up and I could not apply for a TV guide in my name.

Hey, why not send Eric a message about this through his mailbox! Even though I know he would be on the board to answer you, you probably can get him faster through his mailbox before this page turns over.

Just a suggestion.