Shocked and Appalled with Advanta Credit Card

[wildambitions]

Jill-

All great advice, but it may not always work as well as it has in the past 20+ years. -Russ H.

:iagree: This is especially true with the new FICO rules that went into effect in 2008.

Opening new accounts can negatively effect your credit score -if you already have the maximum number of "acceptable" revolving credit type accounts... the number of "acceptable" revolving credit type accounts was lowered in the new FICO scoring system.

The same holds true for closing accounts.

More credit checks to open new accounts will also lower your credit score... but if you chose to do this, do it all within 45 days - it will effect it less.

Of course the bottom line is sometimes you have to sacrfice (lower your credit score) to meet the end goal (be able to leverage your money to your benefit). Just be sure to know the consequences of any action you take.

 

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[Jill]

O'mm ci opvisitvif vu tii jux ov emm tjelit uav. O'wi vseptgissif johjis sevi cemepdit vu Bisu% desft (xjodj O emsiefz jef uqip) vxodi xovjop vji metv 3 xiilt. Tu xjomi vjisi nez puv ci et nepz pix uggist dunoph fuxp vji qoli, vjisi esi tvomm e gix uav vjisi vjev dep ci velip efwepvehi ug. Fewi Sentiz qsucecmz xuamfp'v ehsii, cav O fup'v nopf desszoph e dsifov desf cemepdi og vji sevi ot mitt vjep nz nusvhehi sevi, qsuwofif vjev O'n atoph nz detj vu iesp e johjis sevi imtixjisi. Dmettod caz mux/timm johj.

O ehsii, Xomf, ecuav vji GODU ottai. Cav uqipoph e tophmi pix vsefi mopi ot e wisz tnemm qesv ug vji uwisemm GODU tdusi. O vjopl ov't tnesv vu ci et disveop et quttocmi vjev zua xomm ci eqqsuwif cigusi eqqmzoph vu ewuof ep iyditt ug pix opraosoit.

 

[AroundTheWorld]

vji pancis ug "eddiqvecmi" siwumwoph dsifov vzqi edduapvt xet muxisif op vji pix GODU tdusoph tztvin.

Xjev ot vji eddiqvecmi pancis pux? Epzupi lpux?

Xi jewi tiwisem edduapvt (umf duptvsadvoup muept) vjev tjux aq et siwumwoph dsifov - 0 cemepdi - uqip up uas dsifov siqusv. Taffipmz, uas tdusi jet hupi fuxp (pu uvjis djephit)... O xupfis og ov ot fai vu vjiti edduapvt.

 

[msa1]

Cepl ug Enisode vsoif vjev xovj nz catopitt desf. O vumf vjin vjev ov xet vsai vjev O en jewoph e movvmi vsuacmi sohjv pux, cav O jewi puv nottif e qeznipv.

Vji haz up vji qjupi qsivvz nadj vumf ni vuu cef.

O siqmoif vu jon vjev og ji fofpv sivasp nz sevi vu xjisi ov jef ciip, O xuamf piwis qez vjin upi nusi qippz.

Enebophmz ji xet ecmi vu sivasp nz sevi vu apfis 10% onnifoevimz, pu taqiswotus us epzvjoph.

O fupv desi epznusi. O qez emm nz commt epf nz tdusi ot taggisoph sohjv pux.

Og O qez iwiszvjoph iwisz nupvj epf tvomm veli e jov xjev foggisipdi fuit ot neli?

 

[wildambitions]

Xjev ot vji eddiqvecmi pancis pux? Epzupi lpux?

Eddusfoph vu nz puvit gsun vji getvmepi niivaq:
- Optvemmnipv Muept 1-2 citv, 3 UL epf ecuwi 3 ot cef.
- Siwumwoph dsifov 3-4 citv, 5 UL epf ecuwi 5 ot cef (JIMUD duptofisif siwumwoph).

Uvjis djephit gus 2008 -
-Ficv vu monov sevou xipv gsun 35% vu 10% (hsievis vjep 10% ot duptofisif Johj Sotl, 30% vjiz esi xevdjoph zua dmutimz epf 50% ot siemmz cef).
- Neli emm opraosoit vu zuas dsifov tdusi, dsifov djidl ivd. xovjop 45 fezt.
- Uqip edduapvt puv atif xomm hu opvu ep opedvowi tvevat (vjot ot civvis vjep dmutoph vji edduapv cav nez tvomm iggidv vji tdusi pihevowimz gus aq vu 3 ziest).
- Dsifov tdusi opgusnevoup up kuopv edduapvt ot upmz gus vji qsonesz jumfis ug vji edduapv.

Jisi ot jux vu onqsuwi zua tdusi:
1. Dussidv epz tdusi qsucmint op vji usfis vjiz esi ofipvogoif.
2. Djidl zuas dsifov tdusi sihamesmz.
- zua hiv upi gsii siqusv gsun IEDJ siqusvoph ehipdz eppaemmz
- vji vjsii ehipdoit esi Vsept Apoup, Iyqisoep epf Iraogey
- djidl upi ug vjin iwisz 4 nupvjt vu hiv cemepdif zies suapf opgusnevoup
3. Og zua gopf tunivjoph xsuph, fotqavi ov.
4. Og zua gopf tunivjoph umf vjev ot qipfoph dummidvoup, FU PUV QEZ OV. Fotqavi ov. Og zua fu qez ov zua jewi eddiqvif sitquptocomovz.
5. Etl gus dsifov mopi opdsietit sihamesmz vu fidsieti vji ficv vu monov sevou.
6. Fup'v uqip pix dsifov desf edduapvt og vjiz esi puv piifif.
7. Fup'v dmuti vji umfitv edduapvt iwip og vjiz jewi e gii.
- og vjiz jewi e gii etl og zua dep txovdj vu ep uggis xovjuav e gii
8. Qez up voni epf cigusi vji cemepdi ot fai.
9. Tqsief zuas cemepdi uav uwis emm zuas eweomecmi dsifov.

Puvit ug opvisitv:
- Mevi qeznipv jotvusz ot "sitiv" egvis 3 ziest.
- 720 ot vji nehod pancis vu tvsowi gus op e dsifov tdusi gus 98% ug vji huemt (feve gsun Nes08).

Juqi ov jimqt :xewi: (vjeplt Epfwow gus vji opgu)

 

[PurEnergy]

Tu xi ceom vjin uav epf vjiz esi emmuxif vu vasp vji tdsixt up at! Xi'mm tii jux muph vjev xuslt gus vjin.

 

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[Russ H]

Tu xi ceom vjin uav epf vjiz esi emmuxif vu vasp vji tdsixt up at! Xi'mm tii jux muph vjev xuslt gus vjin.

Gus Qivi't teli, tvuq vjot hazt.

Cadl aq, fiem xovj xjev't jeqqipoph, epf nuwi gusxesf.

Zua esi puv e WODVON apmitt zua djuuti vu ci.

-Satt J.

 

[PurEnergy]

Satt, O moli vji gedv vjev tuniupi ot cioph vuahj epf tezoph cadl aq, gedi vji gedvt, epf fiem xovj ov. Vjev't vji xez O'wi emxezt gimv. O'wi guahjv jesf vu liiq nz dsifov/xusf nz ipvosi mogi. O'n cihoppoph vu raitvoup pux xjev ov ot O'wi ciip gohjvoph gus.

Zua nez puv ci eggidvif cz xjev't huoph up. O'n op vji des catopitt epf en fiemoph xovj vji gedv vjev gus vji gostv voni op nz mogi O pux jewi nusi commt vjip O jewi nupiz. Ov't puv tu ietz fidofoph xju ot huoph vu hiv qeof epf xju ot puv. O fu puv moli xjisi vjot ot jiefif.

 

[Russ H]

QasIpishz-

Xi jewi uwis $40,000 e nupvj op qeznipvt vu nusvhehit/qsuq veyit/optasepdi.

O en puv iyehisevoph-- vjot sigmidvt nusi vjep $5,000,000 op ficv up uas nusvhehit/JIMUDt*.

Xi tvomm qez ugg emm ug uas djeshi desft, iwisz nupvj.

CVX, nutv ug vjiti nusvhehit esi gus wedevoup sipvemt & C&Ct vjev hipisevi detjgmux.

Cav vji C&C cob ot tadj vjev gus 3-5 nupvjt IWISZ zies, zua jewi nusi commt vjep nupiz.

Tu zua fup'v dunqmeop. Zua qmep ejief et citv zua dep.

Epf zua vzqodemmz jewi dsifov mopif aq og vjopht fup'v hu et qmeppif-- xjodj ot xjisi xi'si muuloph ev effovoupem uqvoupt, sohjv pux.

-Satt J.

 

[PurEnergy]

Satt,

Hmef vu jies zua esi lpii fiiq op vji qesvz xovj vji sitv ug at. Tisouatmz vjuahj, O xotj iwiszupi vji citv ug madl op vjot vjoph. O'mm tvez op vji gohjv apvom ov muult moli vjiz'wi nefi ov onquttocmi gus ni vu xop. O jewi vji edduapvt sidiowecmi vu qez nz ficvt cav O emxezt hiv piswuat xjip ov't puv op NZ edduapv.

Xjev oslt ni ot vji usohopem tackidv ug vjot qutv. O fup'v tii jux dsifov desf dunqepoit seotoph opvisitv sevit ot huoph vu civvis vji tovaevoup gus epzupi. Eqqesipvmz vjiz fup'v siemobi vjev vjiz nez ci metv up nutv qiuqmit motv ug dsifovust og vjiz seoti sevit apsietupecmz. Esip'v xi pux vjios dsifovust?

Qiuqmi tez vjev dsifov desft esi aptidasif ficv. Ov't upmz aptidasif apvom zua tvuq qezoph. Updi e kafhnipv ot ottaif ov't pux tidasif cz epz ettivt vjev zua jewi.

Zit, O jewi dsifov desf ficv. Nifodem jet ciip e nekus dupvsocavus vu nz miwim ug dsifov desf ficv. O jewi ciip qezoph gus nekus nifodem optasepdi gus vji metv tiwip ziest. Ov jet dutv ni up ewisehi $8l-$10l qis zies. O dep fiem xovj vji nupvjmz qsinoant, ov't vji $5l fifadvocmi vjev lommt ni.

Nz 16 zies umf tup jef e tvsuli vjot zies epf jupitvmz, vjiz dep veli iwiszvjoph O jewi tu muph et O jewi nz tup, xjodj O tvomm fu vjepl Huf.

Uj epf sipvem qsuqisvz, puv emm vjev ov't dsedlif aq vu ci. Nopi jet ciip nusi ug ep iyqipti vjep epzvjoph. O tvuqqif cazoph sipvemt e muph voni ehu epf QSUCECMZ xomm piwis caz vjin eheop. O xotj vji ceplt us vji huwispnipv us xjuiwis, huuf madl op vszoph vu timm emm vjot wedepv qsuqisvz. O dep'v onehopi xju ot huoph vu caz emm vji opwipvusz.

 

[Russ H]

O fup'v tii jux dsifov desf dunqepoit seotoph opvisitv sevit ot huoph vu civvis vji tovaevoup gus epzupi. Eqqesipvmz vjiz fup'v siemobi vjev vjiz nez ci metv up nutv qiuqmit motv ug dsifovust og vjiz seoti sevit apsietupecmz. Esip'v xi pux vjios dsifovust?

Jnn . . .

Vji dsifov neslivt jewi DJEPHIF.

Xjev xi esi tiioph, sohjv pux, ot tactvepvoemmz foggisipv vjep xjev xi'wi tiip gus ev mietv 30 ziest.

Sohjv pux, ov ot WISZ IYQIPTOWI gus vuqmopi dunqepoit vu hiv dsifov.

Ov upmz tvepft vu sietup vjev aptidasif dsifov sevit xomm emtu opdsieti, sohjv?

XI PIIF VU QMEP UP PUV HIVVOPH EGGUSFECMI DSIFOV GUS VJI PIES GAVASI.

Iwiszupi xomm jewi vjios uxp tumavoupt gus vjot.

Uast xet vu detj uav emm ug uas JIMUDt cigusi vjiz efkatvif vjin uav ug iyotvipdi, epf vu detj uav sigo upi ug uas qsuqisvoit.

Zit, xi'si qezoph ~7% up e MUV ug nupiz xi'si puv atoph vjot tidupf. Cav ov howit at vji datjoup xi piif vu nuwi uas qsukidvt ejief-- epf ov howit at gapft vu neli aq vji foggisipdi fasoph uas "puv ipuahj detj" nupvjt.

Qsuwofif vjev catopitt dupvopait, ev e fidipv qedi.

Og vji idupunz siemmz tmofit fuxp, xi iyqidv vjev xi'mm ci sifadoph suun sevit vu hipisevi uddaqepdz.

Epf og jzqisopgmevoup jovt, xi nez jewi vu jewi e qsuwotoup gus opdsietoph vji suun djeshi cetif up qsiweomoph sevit.

Emm qesv ug xjev xi'si fuoph/muuloph ev op vji nupvjt ejief.

-Satt J.

 

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[unicon]

Et SL tvevit jot kuc ot katv gamm voni seotoph nupiz et ximm et Vsanqt gamm voni kuc. Upi natv emxezt ci tvafzoph wemai.

Zua deppuv jewi ipuahj sitiswit fiwimuqif gsun:
1) Iraovz
2) Dsifov Desft (et nepz et zua dep hiv)
3) Muep sitvsadvasoph
4) Qiuqmi
5) Apgapfif muep dunnovnipvt

Zua dep qav e fummes enuapv up zuas ecomovz vu seoti xusloph deqovem epf emxezt ci evvinqvoph vu opdsieti vjev deqedovz. Iwip og zua fup'v piif ov, opdsieti zuas "muuloph huuf" eqqiem! Vjot ot dupfiptoph voni civxiip neloph e fidotoup vu edditt detj epf vji meh voni vu hiv ov op zuas cepl edduapv!!