Credit Cards Experiences


Posted by: Rj On 21 Sep 2006

Just want to share that i came US 3 months back and i applied for a credit card in DCU ( and got it soon. You have to just become a member by paying $15 and you can get a unsecured credit card of liimit $3000.

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Affinity FCU

Posted by: akannan On 24 Mar 2006

i have good experience with AFFINITY federal Credit union ( . i was rejected by BOA when i applied for a credit credit ,even though i had a checking acc with them ,they told i can have a secured card which i rejected. Then i applied to Affinity ,
to get a card , first u need to be a member , to apply for member ship is easy , get a savings / checking account with 5 $ balance.. Once i got that , i applied for a 2000 $ credit card without any activation fee or SECURITY DEPosit.

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Convenience Checks: Convenient For Who -- Criminals And Card Companies?

Posted by: Ram On 23 Mar 2006

Many of you may have received these checks by mail. DO NOT use it, destroy them immly. Read this article.


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BOA Secure Credit Card

Posted by: pk On 01 Mar 2006

I am having checking savings accounts with BOA.No problem at all.
I applied for a secure credit card and i had it for 8 months,after that i called them to make it unsecure.They said no unsecure credit card for temporary workers (im here in H1B) .They now give it only for "citizens" and "GC holders".So beware.Dont trust and wait for BOA to get a unsecure credit card.

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How Can U Pay Activation Fee ???

Posted by: I have 20 CC On 18 Dec 2005

How can you pay activation fee?
Always use your common sense some body giving u credit in thouands and asking 200$ activation fee ?
They can give u 200$ less or charge same credit card for fee .
I have 20 credit cards all in perfect condition having cresit of @ 150 k .much more then my annual salary . I dont use themall but check my credit history once a year .I got first crdit card from credit union ,and after 1 year from anerican express body diens after that ..

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Credit Card Cons

Posted by: praveen On 18 Dec 2005

I got credit cards approved after stay of about one year in New York, the credit card company called First National Card, took an activation fee of $200 as annual fee. Giving a credit limit to $2000, it was good. But I soon found that the credit cards never worked. There is no way how the credit cards can be used. Beware of such Credit Card Cons!!

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Applying For Secured Credit Card

Posted by: KK On 01 Jul 2005

Hi All,

Anyone applied for a secured credit card recently?
I dont have any credit history, and all credit applications i make get rejected saying "insufficient credit references".

In this forum, some have suggested to apply at, but i find that its membership is restricted to 2 states [GA & MA] and few member companies.

any inputs will be appreciated


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Posted by: IF you do direct deposit & scared them to withdraw On 30 Jun 2005

They will give you unsecured card.

If this want work move your finance to

One of the best credit union, we called it desi credit union..

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Get Your First Credit Card

Posted by: chinku chinese On 27 Sep 2004

just go to and search for secured visa card. download application and print and send to address specified. send your passport, i-94 and visa photocopies and 250$ check.

You would receive secure credit card in 3 weeks. use it for min. 3 months and then apply for regular credit card. you will get it.

Mera China Mahan.

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What Is Best Choice To Obtain A Credit Card.

Posted by: Looking for credit card? On 10 Sep 2004

I am here in US since May2004 with H1B. I applied for credit card from Bank of America and they have rejected because I dont have credit history.

Can you best friends advise me on best options for applying it again as I need credit card without which I am handicap on many occasions.

Even if you drop me a some info. on my email id, it will be great help.

Thanks in advance


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