jonmartin Tracker

Re: Will I get hit with a penalty APR?

jonmartin — Tue, 16 Apr 2013 05:12:27 GMT

I don't think they rate jack me but my promo rate of 0% just happend to end this billing period its now 10.24% but they did charge me the $39 now I dunno if I want to call and ask them to take it off or leave it alone.

Will I get hit with a penalty APR?

jonmartin — Tue, 09 Apr 2013 05:35:40 GMT

I've had a Chase INK Cash card for about a year now and I just happen to miss my payment by 1 day. It should have been enrolled in automatic payment like my Chase freedom card which is managed by the same login info and now I'm worried I'm going to get hit with a Penalty whats the normal practice is this something that happens after only 1 day late? I've been good with the card since I got it other then this.

Re: Pay rent with a credit card??

jonmartin — Fri, 01 Mar 2013 05:45:01 GMT

What if you got an Amex prepaid card and loaded it by buying reload cards from office depot with your credit card and then paying via those? *shrugs* just thinking while I type

Re: CapitalOne account restricted - what happens when I close?

jonmartin — Fri, 01 Mar 2013 02:00:23 GMT

I had a similar issue with th account closed but after repeated calls I was able to get it re opened after I paid in full. Keep calling the numbers in the backdoor thread I believe for the "analyst"

What should I do?

jonmartin — Tue, 23 Oct 2012 05:51:05 GMT

I went ahead and tried my luck with Navy federal again. Since i recently got upgraded to the Flagship visa signature and found out after the fact that it doesn't offer NPSL I thought I'd ask for a higher limit on the card and at the same time ask for a NavCheck. I was able to get a NavCheck for $10,000 (asked for $12,000) but I was denied for the CLI citing "Excessive credit obligations" what does this mean exactly? I don't think it was refering to my NFCU card. Which was nearly maxed out but paid off. NavyFederal also gave me a $32,000 Auto loan last month (second vehicle) so now I'm wondering if that was the reason. I make $115,000 + a year and the only debt's I have are the two auto loans totaling $60,000 and the credit cards which are usually paid off in 45 days I wait 45 days because I want the balances to report to show I actually use my credit here and there. Now I also have three collections from cards I don't even remember having that all of a sudden showed up causing my score to tank hard the same day I applied for the above (I didn't know till after I applied so that might also be hurting the increase) should I just chill out for a while and battle off those collections?

Re: BUSINESS LOAN WITH A DISCHARGE BK CH.7

jonmartin — Mon, 22 Oct 2012 09:14:58 GMT

Not even worth the effort just too soon. Even if you got a loan it would be with terrible terms like CashCall for business or similar. I think I saw a offer once from them basically if you borrowed the maximum ($20,000) you would pay back $118,000 and the end of the terms... I'm sure I don't even have to explain how ridiculous that sounds.

Re: Being asked by Amex for tax return?

jonmartin — Mon, 15 Oct 2012 07:47:09 GMT

Man I'm glad I don't have to deal with that **bleep** from AMEX. NFCU FTW LOL.

Re: Question about NFCU Flagship NPSL or lack there of...

jonmartin — Sat, 13 Oct 2012 19:28:18 GMT

bostonte wrote:
Navy does not have NPSL on their Signature Visa and does not allow transactions above the revolving credit line.

Really. Well that answers that now I feel jipped.

Question about NFCU Flagship NPSL or lack there of...

jonmartin — Sat, 13 Oct 2012 04:21:20 GMT

I just wanted to ask you fellow card holders if you've ever had a problem going over you limit with the Visa Signature from NFCU? I recently had my nRewards converted to a Flagship Visa Signature rewards card mainly because I liked NPSL feature that I thought was on all Visa Signature cards. Well I I've charged up my card to the limit this month and I just submited a full payment eariler today from the Navy Federal Checking account I have an hour or two after I made the payment I also tried to make another charge for $277 pucks that would have put me over my limit by only $40.00 had I not made the payment. Now I understand the payment may still have been processing but I figured it would have been ok to charge that transaction because of the NPSL. When I called NFCU the rep told me shes never heard of that feauture so imagine my confusion? .. This card has a $49.00 annual fee but I'm thinking about going back a nRewards if I can't get that benefit. What if I needed to go over for an emergency or something false advertising no?

Any thoughts from the community?

Re: How to transform Visa to Visa Signature

jonmartin — Fri, 12 Oct 2012 20:59:02 GMT

Stuipd rule imo. NFCU gave me an upgrade from the nRewads to their Flagship signature after only a couple months. No questions asked.

Re: I'm so OVER Navy Federal!!!!

jonmartin — Fri, 05 Oct 2012 05:36:53 GMT

flowfaster wrote:
NFCU is not all that anyway. The deposit rates suck and the credit products are just meh all around. All they are good for are super high limits. If you look at peoples sigs people have a 15k limit with them but yet every other prime lender still gives them 2k. In my opinion I would rather have a 1k freedom or discover than a 20,000 NFCU card. Only thing could see they are good for is the 0% no fee balance transfer.

LOL I think this is by far the dumbest comment I've ever read on these boards.. No you wouldn't you can stop lying now. :smileylol:

Re: NFCU LOC (NavCheck)

jonmartin — Fri, 28 Sep 2012 22:12:26 GMT

Navcheck LOC whats the point is it an overdraft protection sort of thing?

Re: CC with a Tax Id #

jonmartin — Thu, 27 Sep 2012 19:15:02 GMT

Don't they still need to run your personal SS regardless? How can u get a CC off just a Tax ID? On their online app you have to enter your social.

Visa to Visa Signature conversion how long?

jonmartin — Thu, 27 Sep 2012 03:17:38 GMT

How long does it take to use the signature benefits on my NFCU card? I just upgraded from the nRewards to the Flagship Rewards Signature but but NFCU left my card number the same so when I try to use it on the Visa site (ie: book a hotel) it says the number is not recognized as a Visa Signature yet.

Re: Denial because of bankruptcy on records but I got CHASE RECON to approve me!

jonmartin — Thu, 27 Sep 2012 03:03:02 GMT

trappedatuf wrote:
I just want to say THANK YOU :smileyhappy: for such a great resource and for all of your posts! I applied for the Chase Sapphire Preferred card based on the comments on the board and I was denied. It was odd because I was just approved for an AmEx Platinum but denied for this? Anyway, I waited for the letter to arrive and their reason for denial was "A bankruptcy appears on your credit report".

I figured "oh well" but looked through the boards a little more and then found the phone number to the RECON department (888-245-0625) and decided to give it a try based on what people wrote for other denials from Chase. The first operator told me there was nothing they could do because they don't accept people with previous bankruptcies that show on their reports. I let her know that it was a little over 7 years ago and insisted to speak with a supervisor. She even told me they would probably say what she said but I decided to try anyway and it PAID OFF!!! The supervisor was great and after asking me several more personal questions I was approved for a $10k credit line with CSP!

Awesome and just wanted to post on here to help anyone in the future that might be in my position! Persistance paid off in this case.

Thats awesome. Yea I applied for the CSP also the first person I talked too got pretty rude at me as if it was out of the question for me to get one just because of the BK. She wouldn't listen or factor in the facts of my high bank balance or my paid off chase auto loan or my great usage and pay off of my INK card. Just pointed out the BK. So I hung up and called the exec office they seemed much more willing to help I'll find out tomorrow hopefully. If they still want to site the BK as the reason I'll just move my $$$ to NFCU who just gave me their Flaship Visa Siggy and a $32k Autoloan. Seems they would appreciate my business more.

Re: Amex Recon Advice 7 years post bk

jonmartin — Thu, 27 Sep 2012 00:58:30 GMT

Can someone please PM the e-mail as well?

Re: Visa Siggy question

jonmartin — Wed, 26 Sep 2012 02:01:58 GMT

jsucool76 wrote:
I am fairly certain all visa siggys are NPSL.

Same with World (and higher (world elite)) mastercards.

Interesting so would the Chase Ink Cash be considered an NPSL? I ask because my card says World above the mastercard logo. If thats the case I never knew that was doable.

Re: Most INQ's You've Ever Had At One Time..

jonmartin — Tue, 25 Sep 2012 20:09:32 GMT

I have 39 on each.

Re: Should I Recon NFCU??

jonmartin — Tue, 25 Sep 2012 19:58:14 GMT

How do you even recon navy federal?

Visa Siggy question

jonmartin — Tue, 25 Sep 2012 09:51:05 GMT

Is there a way for other lenders to know you have a Visa Signature via your credit profile?

I just changed my NFCU nRewards to a Visa Signature Flagship Rewards and I wanted to know if it would help me get a CSP by making Chase jealous with the spend I'll be using on the Flagship rewards card. Also with the NPSL on NFCU how does the Credit line reflect on my profile? Will it hurt my utilization at all?