Had Bad Credit, Now A New Card.......?

First thanks to the previous posters that have helped me get this far!

Disputed all bad credit from the past, and sure enough some of them got dropped. I then read several posts that indicated Capital One was one of the easiest cards to apply for, I also applied at Macy's.

Capital One denied me, but to my surprise Macy's did give me a card with a $100 limit. I was very happy that they even gave me a card, which leads me to my question(s):

A.) Cash is not a problem, Will charge up the card weekly and paying it off weekly help? Or what is the best practice to show Macy's that I am serious about my credit, so that I can get the limit raised.

B.) How often do you ask a retailer to up your limit?

C.)How to determine which mail offers will really give me a card vs just another mass mailing that will hurt the credit score?

Thanks in advance for the help!

Talked to Macy's credit department today, and the rep. stated that credit limits can be reveiwed every 3 months.

In addition if I charge $100 a month and make a minimum payment of say $5 each month the request to up may limit may result in an addition $100 for a $200 limit. She stated that if you charged $100 weekly and paid it off weekly then the credit limit would be raised substantially higher at the end of the 3 months.

Three lines of credit, right? Get yourself three lines of credit, pay them faithfully when due, wait a year, and you will see an improved score. I am not sure, but Macy's may not be a "tier 1" credit line (ie, mortgage, car loan, Visa).

1. Pay when due every time (weekly doesn't prove anything).
2. Keep your balance to 1/3rd the limit during the reporting period. In your case, don't charge more that $33.
3. I don't have a precise answer to the credit increase question, but try and keep those requests to a minimum and only AFTER you have an established history with them. Give it time...
4. The soft hits on your credit don't really hurt that much. That is more myth than fact. Still, you can always opt out at http://www.optoutprescreen.com (do the 5 year).
5. Hang in there. Nothing like time, good payment history, and the right mix of credit to boost your score.

Best of luck

If you are serious about getting a credit card you can go to http://www.ipod-vibez.com/credit.html they have credit card option for persons with bad credit and no credit I suggest to 2 of my friends this site and they were approved with very bad credit so I figure it should help you

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!