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Gettington Credit: An Updated Review

Last month I wrote a post entitled: "Gettington: Credit As Easy As 1-2-3." In the post, I explained how I came upon them by accident while browsing the Credit Karma website. As Credit Karma is known to do, they recommended that I apply for Gettington Credit because they felt that based on my current credit score, I had a great chance of being approved.

As it turns out, they were right. I was instantly approved online for Gettington Credit in January 2019 with a starting credit limit of $400.00. Fast forward to May 2019, just four months later and Gettington notified me that my credit limit has just been increased to $800.00. I was more than excited because what I initially thought was a good credit decision suddenly turned into a great one!

Since I had no way of knowing that my credit limit would double in just 4 months of minimal usage, I thought it was important that I provided an updated review just in case you were still undecided about whether to apply. I hope this update has made your decision easier. Please post a comment below and share your experience with Gettington!

You might also like: Gettington: Credit As Easy As 1-2-3

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Does Paying Collections Improve Your Credit?

At one time I took a very hard stance of never paying a collection account because no benefit was gained by it. It would not improve your credit nor would it make it worse. You'd just be out of a little cash. As time has passed, I have softened my stance quite a bit with regards to paying past due collection accounts and now I’d say it just depends.

The decision to pay or not pay depends on two key factors:

1. The first factor is: How old is the debt? If the debt is very near the 7-year point of which it is scheduled to fall off your reports organically, then I would say do nothing and just let it fall off. If it’s a new collection and you’ve still got a ways to go, then I would make my decision to pay or not pay based on factor #2.

2. The second factor is: How much do you owe? If you owe smaller cable or electric bills of $100 or so, then I would suggest that you go ahead and pay them. It makes no sense having an unpaid collection showing for such a small amount. If the debt is significantly larger, I’d leave it be and focus on your current bills that are active and in good standing. Creditors put more weight on how you're paying your bills now, vs how you paid them years ago. Focus on the now.

You might also like: Collections Most Wanted

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Prequalify for Capital One Credit Cards

One of the many great things I like about Capital One is that you can fill out a simple online prequalification form to see if you qualify for any of their many credit card offerings.

Prequalifying does not count against you as a hard inquiry so they do not hurt your credit score in any way by applying for credit using this method.

The form requires about 60 seconds of basic identification such as your name, address and social security number along with your annual salary and monthly rent or mortgage payment.

By prequalifying, you can know in just seconds which cards, if any, that you qualify for and feel confident about applying for them without fear of rejection.

I have personally used this method to apply for all three of my Capital One credit cards and each time that I prequalified, I was approved for the card that I selected.

To prequalify now, click here.

Please post a comment below and share your experience with Capital One!

You might also like: Capital One Credit Card Offers

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Which Credit Cards Offer High Credit Limits?

Capital One offers some of the fastest growing credit limits in the industry. It doesn't matter if your initial credit limit starts out low or high. Capital One will automatically increase it in five-month increments as long as you continue to make on-time payments.

Capital One will also increase your credit limit by phone or online request from your profile page. The request process is simple. They simply ask for your annual salary, your monthly rent amount, and your requested credit limit. Now you just hit the submit button and you'll have an answer within 60 seconds.

So if you are looking for a card that offers generous credit limit increases and generally easy credit approvals as a whole, then look no further than Capital One. They have been all that I could ever ask for in a credit card company.

You might also like: Capital One Credit Card Offers

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