Nordstrom Credit

A couple of weeks ago I was shopping at Nordstroms Rack because I was in need of a few things that only "The Rack" can deliver within my price range. Namely, shoes, shirts, and underwear.

On this day I went in looking specifically for all black Calvin Klein underwear but ended up finding a pair of nice brown leather boots as well. I saw them, they saw me and I was done. I knew I had to have them!

As I approached the checkout line I thought to myself that maybe I should apply for a Nordstrom credit card knowing full well that 9 times out of 10 I'd be denied but I figured that all they could do was tell me no, so I applied.

After about a 30 minute application process due to the new guy at the register, I held my breath for a few minutes longer and to my surprise, I was approved for a $500 credit limit! I later found out that Nordstrom cards were issued by TD Bank which also issues the Target retail card and Target Visa.

My purchases came up to $80 and some change and I paid it off in full before I ever got the first bill. I did this because during my research I found out that Nordstrom is very good about converting their retail store card into a Nordstrom's Visa within 6 months of on time payments but only time will tell.

Oh, and as a final thought, when my Nordstroms card arrived in the mail it included a letter which stated that my Experian credit score at the time of approval was only 620. Hopefully, you can use this valuable information to your advantage if you are considering applying for the Nordstrom credit card.

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Paypal Credit

While browsing online shopping for razors at "the" most affordable quality replacement razor blade site in America called Dorco USA, I made my selection and went to purchase fully expecting to pay with my debit card when I noticed that they accepted Paypal Credit.

For those who are not familiar with Paypal Credit, it was formerly called "Bill Me Later" which would allow you to purchase a product online today and not have to pay for it until up to 6 months later with zero interest just as long as you spent at least $99 on the purchase.

Now, mind you...I'd applied for Bill Me Later on several occasions while being denied each and every time but I figured since my credit had improved somewhat over the last couple of years I thought to myself, what did I have to lose?

Well, to my surprise I was instantly approved for a $250 line of credit and although this line of credit is not earth shattering, it is still $250 more than I expected which is always a win-win!

So in short, if you are looking to make a purchase via Paypal or at any one of the many online stores that accept Paypal at checkout, then I highly recommend Paypal Credit as I feel that the approval rate is good even with a poor credit score hovering around 600.

And lastly, to my loyal follower Blake...I'm Back!

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Comenity Bank 4 EZ Credit Approvals

For anyone looking to rebuild their credit, the first consideration is to apply for credit without getting too many inquiries on your credit report which can count against your already low credit score. The best way to do this is to only apply if you feel you have a better than average chance of approval.

After doing a bit of Internet research I found that Comenity Bank will give just about anyone a chance to rebuild their credit worthiness. Just to give you an idea of what I mean, I applied for and was approved for 4 of their credit cards within 4 days time!

So to anyone looking to get their credit back on track, I highly recommend that you do a Google search for Comenity Bank credit cards and choose from their many card offerings. If you get approved for the first card don't hesitate to apply for a couple more right away. It's best to apply for the cards over the weekend for the best success.

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Cam I Am

Let me tell you about a payday loan employee that I know who wears a name tag identifying himself as "Cam I Am". This guy works slower than the slowest mammal on the face of the Earth.

Whenever I visit this establishment, the result is always the same. I walk upon a rather large, lazy, close to middle aged man who sits on his "throne" behind a bulletproof enclosure acting as if he is personally doing "ME" a favor. He literally reminds me of the "Soup Nazi" from the Seinfeld series.

Yeah, I get that I am there looking for financial assistance but the last thing I need is to feel as if I am some sort of degenerate looking for a hand out. This guy is oblivious to the long line behind me and just continues on at a snails pace as if the people in line have all damn day to wait on him.

This guy is the equivalent of the village idiot. He has no clue whatsoever. I know he's lazy because there are other employees there that process transactions three times as fast as he does. He is a liability to the company.

People feel bad enough having to actually go there every payday and the last thing a person needs is to walk into this place and be treated like less than a human being. No smile. No hello. No have a nice day. Not a damn thing but negativity from this guy.

If you should ever have the pleasure of dealing with Mr. "Cam I Am" or anyone like him, I encourage you to end business with that company as soon as humanly possible. You deserve to be treated so much better.

Oh, and to "Cam I Am" if you hate your job so damn much then do us all a favor and just quit so that we don't have to deal with your slow moving, bad attitude, lazy ass bullshit. Some of us have places to go and people to meet. Way to go, ACE!

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Pre Approved Visa: Merrick Bank

The other day I received a pre-approved credit card offer from Merrick Bank that promised to double my initial credit limit of $600 to $1200 provided that I hold up my end of the bargain and make at least the minimum payment due for 7 months straight.

It sounded like a great deal and I was ready to jump all over it, even at an APR of 24.99 percent. That is until I read the small print that said I would be charged a $72 annual fee for as long as I owned the card. I would be billed $6 per month for the entire year.

This means that even if I carry a zero balance, I would still be forced to make a $6 payment each month. $6 may not seem like a lot but if you should ever be late making that $6 payment, you'd be charged an outrageous $35 late fee. So, your $6 payment turns into a $41 payment in the blink of an eye. No thank you!

My guess is that once they see that I didn't respond to the initial offer, they'll up the ante with a sweeter counter offer minus the monthly fee and most likely at a lower interest rate. If not, oh well... I have plenty of new credit cards as of late and I'll be just fine.

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You Know It's a SCAM When...

I get hundreds of questions every month from people saying they received a call from some random debt collector stating that they needed to hear from "either you or your attorney" by a certain deadline or else they'd commence with legal proceedings against them. If you ever get that call then you can safely assume that it is just a scam.

How do I know it's a scam? It's simple. The last person a debt collector wants snooping around in their shady business is an attorney! It's because 9 times out of 10 the debt collector is using illegal collection tactics to shake people down of their money.

The ONLY reason why they'd tell you to have your attorney or legal representative call them back is because when the word "attorney" is mentioned in a live conversation or voicemail it makes the matter sound serious. If you actually did have an attorney call them back they'd freaking crap their pants!!!

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The Payday Loan Honor System

Let's face it. Payday loans are based almost completely on the honor system. Their entire business model relies upon the assumption that the borrower will be honorable enough and or disciplined enough to pay back the loan month after month after month.

It sounds crazy when you actually think about it but in reality, the majority of people have every intention of paying back the loan. Borrowers generally repay loans for the first three to six months until things inevitably get out of hand and they start looking for a way out.

Something always comes up...This leads to late payments, a missed payment or two and finally a flat out default and refusal to pay. I know because I've been there way too many times. Most people don't take out a loan with the sole intention of defaulting on it. The majority of us are just not wired that way...but "shit happens".

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