Debt, Bankruptcy, & Consumer Proposals

Discussion Categories => Consumer Proposals => Topic started by: Wetcoaster on January 10, 2018, 07:55:40 PM

Title: 1 year this week our proposal was paid off....
Post by: Wetcoaster on January 10, 2018, 07:55:40 PM
Kind of an anniversary of sorts.

Proposal was accepted July 2016.....paid off Jan 7 / 2017

The proposal has been paid off 1 year now....2 to go before it drops off.

Equifax is now 660
Transunion is   650
RBC/TRansunion score is 712

Thinking of applying for another credit card.

Any ideas?
Title: Re: 1 year this week our proposal was paid off....
Post by: Bank-snoopy on January 11, 2018, 10:43:14 AM
canadian tire - great card
Title: Re: 1 year this week our proposal was paid off....
Post by: LT on January 11, 2018, 01:31:32 PM
If they weren't one of your CP creditors, try Costco Mastercard from Capital One.  I am still in my CP with a credit score in the low 500's.  The gave me a CC with $10K limit.  Who knows how they approve/deny applications.
Title: Re: 1 year this week our proposal was paid off....
Post by: Jennykk on January 11, 2018, 11:30:39 PM
If they weren't one of your CP creditors, try Costco Mastercard from Capital One.  I am still in my CP with a credit score in the low 500's.  The gave me a CC with $10K limit.  Who knows how they approve/deny applications.

What credit card/s do you currently have right now? I have the cap1 gold mc and affirm. I'm thinking of replacing the affirm with another card.
Title: Re: 1 year this week our proposal was paid off....
Post by: LT on January 12, 2018, 10:47:15 AM
I have 2 Mastercards from Capital One.  I had an original secured card that turned into a Gold MC. I took a chance on applying for a Costco MC.  To my surprise, I got it.  I had an Affirm card, but decided to cancel it. On principle, I couldn't pay $144 annual fee and 40% interest (even though I never ran a balance).  The only other card I applied for was an Amazon Visa.  I got declined.
Title: Re: 1 year this week our proposal was paid off....
Post by: fireguy233 on January 12, 2018, 07:30:41 PM
I have two cards that I applied for about a month after paying off my Consumer Proposal and was approved for both.

Capital One - Unsecured  (never had to get the secured card)
Canadian Tire MasterCard - had my limit increased twice now.

Both are great but I like my Canadian Tire card better then the Cap One as Can tire upped my limit multiple times whereas Cap One wont budge.
Title: Re: 1 year this week our proposal was paid off....
Post by: Wetcoaster on January 12, 2018, 07:35:12 PM
Capital One was part of our proposal....but I did read somewhere that after 1 year you can apply to them again.  I think I will call them to find out.

I have a People's Trust secured card....my wife has the Affirm.

Her income is over $100,000.....we have a 0% car loan with $3900 left and a mortgage that we are paying.

My Telus Mobility bill also gets reported to both .

Will look into the Canadian Tire Card.
Title: Re: 1 year this week our proposal was paid off....
Post by: Jennykk on January 13, 2018, 07:22:41 PM
I have two cards that I applied for about a month after paying off my Consumer Proposal and was approved for both.

Capital One - Unsecured  (never had to get the secured card)
Canadian Tire MasterCard - had my limit increased twice now.

Both are great but I like my Canadian Tire card better then the Cap One as Can tire upped my limit multiple times whereas Cap One wont budge.

Cdn tire was part of my cp. I applied but got declined. :(
Title: Re: 1 year this week our proposal was paid off....
Post by: Jennykk on January 13, 2018, 07:24:34 PM
I have 2 Mastercards from Capital One.  I had an original secured card that turned into a Gold MC. I took a chance on applying for a Costco MC.  To my surprise, I got it.  I had an Affirm card, but decided to cancel it. On principle, I couldn't pay $144 annual fee and 40% interest (even though I never ran a balance).  The only other card I applied for was an Amazon Visa.  I got declined.

Affirm is expensive. I pay $10 a month for using it. I pay off the balance every month.
I'll try the costco cap1.