emptypockets Tracker

Re: Citi, which report?

emptypockets — Mon, 20 May 2013 22:28:57 GMT

I am in MI, Citi always pulls EX for me (Diamond Pref, Dividend). For Home Depot, they pulled EQ. I think with Citi, who they pull may vary depending on where you live.

Re: Amex Credit Limit Transfer -FYI only

emptypockets — Sun, 19 May 2013 20:18:23 GMT

Can you request the CL reallocation online, or do you have to call them?

Re: what are my chances for CSP and BCP

emptypockets — Sun, 19 May 2013 20:15:21 GMT

When you went to credit.com, did you click the button that says "see my Fico score estimate"? just wondered.

Re: what are my chances for CSP and BCP

emptypockets — Sun, 19 May 2013 18:56:41 GMT

You probably will be approved. FYI, the credit score on Experian is what is commonly known as a Fako (not a real Fico score). I think it is a Vantage Score (their own proprietary score, not used by most lenders). You may want to check your score on Credit Sesame or Credit.com (it is free), they may be better estimators of an Experian score, as it is based on info from your EX report.

Good luck with whatever you decide to do! Let us know the results.

Re: what are my chances for CSP and BCP

emptypockets — Sun, 19 May 2013 18:36:39 GMT

SRAGS wrote:
hi...

My scores improved alot in last 7 days.... to 735s (both fico transunion and fico equifax.)

total outstanding utilization   8000 out of 55,000

2 more cards have to report new balances   that goes to total limit on cards to 75000

iam going to pay off 3500 in next 20 days. Recent enquiries 4.

Will i get approved for BCP and csp...

Iam asuuming my fico scores will cross 750 mark after i pay off and new limits are rpeorted.

Can i apply now or wait?
Thanks.

DCU 10,000, CITI 19500, BOA 20,000, DISCOVER IT 14000, CITI TYP 5500, CAPITAL ONE BBY 5000 AND BOA SIGGY 2500.

I think your chances ae very good, as long as your AAoA is decent (like 2-3 yrs). Neither Chase nor AMEX seem to like short histories too much. You are aware that most likely both (AMEX definitely) will pull EX? As of late Chase has been doing double pulls (EX and TU). So if your EX is approx the same as EQ and TU, you should be good to go.

Re: High UTI on one card .... Balance Transfer.

emptypockets — Fri, 17 May 2013 18:06:38 GMT

ktl72455 wrote:
I didnt realize that being a AU on someone elses card, that you could transfer thier balance to one of your cards.

I could balance transfer the 1575 to one of my cards making her card 0% and one of mine 40%

I learn something every time I vist here!

I am not sure that they check that it is your account when you do a BT. Most places send checks that can be written to yourself (then depoitied and used to pay the CC you choose), or directly to the credit card you are paying off. I don't think the banks care as long as they get their money.

To the OP, I think that the damage to your score will be relatively small since you are going from 17-18% overall util (4k bal of 24k avail) to approx 23% overall Util (5575 bal on 24k avail), but 40% on that one card. It is difficult to predict Fico scores, but you will likely take a small ding for having another card with a balance, as well as the increase util on that one card. You could try to get a CLI on one of your cards before you do the BT - thus eliminating/reducing the ding to your utilization.

Re: Does GE limit your CL with every card you apply for?

emptypockets — Fri, 17 May 2013 17:56:58 GMT

Walmart cards usually start with lower limits, but you can slowly and steadily get CLI's to get limit increased, or get a quxker increase by callinf credit solutions. Mine started at 600 and is now up to 7.5k. I never requested a increase for this card through credit solutions, just took the increases as they gave them to me on the website.

Re: Chase doing double pulls now?

emptypockets — Fri, 17 May 2013 16:04:41 GMT

CreditHammer wrote:
ztnjpv wrote:
I was reading around here the other day that Chase is starting to pull 2 bureau reports instead of just one. Any experience on this? Is this becoming common practice for all apps or are there specifics involving applicants?

I was thinking of applying for two chase cards and am not keen on a double pull.
Usually any CCC wil pull twice if you are "borderline".. If they pull one report and think you barely qualify they may pull a second just to ensure there are no derogs and such.. If you think you are a borderline applicant, then wait until you think you're a lock for the card... You still may risk a double pull but at least you minimize your risk of a double pull by givign yourself the best possible chances..

I was double pulled (EX and TU) by Chase this week for a Marriott Visa. I don't think my scores are borderline, I just think this seems to be the new trend. I was instantly approved for 15.1k. I got my CSP and Freedom in June, 2012 about a week apart, and they only did one pull then (TU).

Re: Walmart TU Fico finally up!!!

emptypockets — Thu, 16 May 2013 12:57:20 GMT

2 new accounts (with 2 new iNQ's) dropped mine 5 points. Went from 796 --> 791.

Re: Barclay NFL card

emptypockets — Tue, 14 May 2013 15:20:45 GMT

guardmama04 wrote:
So I have had the card since December and my last statement just cut on the 8th (for 6 months)...After reading some posts I was hopeful for an Increase from my $500 limit but nothing. :smileysad: This card is my only unsecured as I have two secured..My capital one hit 6 months last month and they gave me an extra $100. Anyhow I was tempted to try and apply for an increase but am getting a house built so guess I will just have to stick it out. Kinda bummed....

Just continue to use the card, and the will probably give you a auto-cli. In my experience, the auto-cli's were not 'exactly' on the 6th month, sometimes more like 10-12 mos. You have a limited credit history with CC's, so they may not give the auto-CLI right away. Gotta be patient....Definitely do not request one online if you don't want any INQ's - because it will be a HP.

When reading the forums, it sounds like EVERYBODY is getting these awesome auti-CLI's except you. I think it causes you to expect it because it has been posted alot. In reality YMMV, and the banks will do as the please, when they please. No auto-CLI is written in stone.

Re: Barclay NFL card

emptypockets — Tue, 14 May 2013 15:14:34 GMT

They are Visa Siggy/World MC, but there were alot of approvals in the $500 range posted on the forums. It is not a sub-prime card (unless you consider Barclays sub-prime), but it isn't the hardest card to get in the world either.

Re: Pre-Approved for FNBO Amex

emptypockets — Tue, 14 May 2013 15:04:23 GMT

The one they sent me was for the AMEX, 3% cash back on air travel, 2% on gas, 1% on everything else. They have another AMEX with 2% gas and groceries, 1% on everything else.

I think the Visa rewards is a flat 1% cash back on everything.

Re: Pre-Approved for FNBO Amex

emptypockets — Tue, 14 May 2013 14:59:33 GMT

I got one of these last week too. Mine went to the shredder, I've been too active apping lately....on my way to the garden now! :smileyhappy:

Re: Discover 2% Promo May13th to 31st

emptypockets — Tue, 14 May 2013 13:29:30 GMT

Yes, mine was in a email sent during the day yesterday.

Re: Discover 2% Promo May13th to 31st

emptypockets — Tue, 14 May 2013 13:14:53 GMT

enharu wrote:
Nothing here.... Sigh. I have quite a bit of a balance on it currently.

I am currently carrying a balance on my card too...0% BT but I still got the email. I wonder how they decide who to target with these offers?

Re: Approved for Chase Marriott??

emptypockets — Tue, 14 May 2013 05:20:22 GMT

Congrats again, it feels good to get an instant approval, doesn't it. Chase pulled both EX and TU for me for this card. It was my 2nd card in the past couple months, and put me at 6 INQ'S's on EX (3 in the past yr).

Re: Discover 2% Promo May13th to 31st

emptypockets — Tue, 14 May 2013 05:15:15 GMT

I got a email today that offers a 5% cash back bonus on up to $500 in purchases for May 13th - 31st. So apparently, it must be some sort of targeted offer.

Re: Approved for Chase Marriott??

emptypockets — Mon, 13 May 2013 23:02:57 GMT

I was just approved for this card also (couldn't pass up the free nite certificate upon approval, and 70 k points). I was approved Sat eve, and got email Sun morning with my free nite certificate info, and account is showing up on my online account as of this morning.

Re: to pay or not to pay? (CSP AF that is)

emptypockets — Mon, 13 May 2013 19:26:30 GMT

samset93 wrote:

bribro wrote:
Option #2, or option #3 if you're not inquiry/AAoA sensitive. I think inquiries/AAoA hits would be better spent on more lucrative sign-up bonuses, so would lean toward option #2.
Thanks for the inputs! appreciate it.
Is consolidating CL warranties a HP? I'm leaning towards combining the 5k to my freedom but a bit concerned about switching it to a siggy (from the regular/platinum visa now). Do they always upgrade to Visa siggy if your limit is over 5k? or is it a YMMV kind of thing?
*PS: I think I messed up trying to quote the previous reply. Still learning :)

No, they do not always upgrade to a Visa Siggy. My Freedom started at 8k, and I rec'd a CLI to make the limit 10.2k. It has been a regular Visa from the start, even with a 8k starting limit. I haven't had it a year yet (will be a year in a couple weeks) and I was told when I called in that I had to have the card a year before they would convert it to a Siggy.

Re: Chase Southwest Visa - Got 7-10 days message

emptypockets — Mon, 13 May 2013 18:51:39 GMT

You may want to check back via their automated phone system first (1-800-436-7927). Sometimes you get the 7-10 day response, and 10-15 mins later, it will show as approved.