jamesdwi Tracker

Re: WANTING THE AMEX DELTA SKYMILES CARD, CURRENTLY LOW SCORE

jamesdwi — Fri, 24 May 2013 00:14:32 GMT

yeah 2013... must need more coffee.

Re: Close Target Account???

jamesdwi — Fri, 24 May 2013 00:11:11 GMT

Most prime lenders ignore store card CL's when they make that calculation... Why penalize people because they have a $200 store card, no one is going to give out a $10k limit on a gas card, So they just dismiss the store card TL's when they come to calcuate the average limits.

Re: Close Target Account???

jamesdwi — Thu, 23 May 2013 23:25:10 GMT

Keep it open it has no AF, who knows perhaps in 6 months TD bank may get around to giving out CLI's or at least a love button on there site. Most Prime banks ignore store card CL's when they are calculating your starting CL on there cards so probably no harm in keeping it and letting it age.

Re: American express gold card

jamesdwi — Thu, 23 May 2013 23:21:58 GMT

depends on your relationship with AMEX, do that the first month you can expect an Financial Review. Best to tread litely and PIF on or before the due date. If you are going to apply its better to AP for the AMEX Prefered Gold card, first year AF waived, then $175 but if the fee isn't worth it to you, you can down grade before your year is up, to Gold, Green or even Senior Green with a $35 fee and no rewards.

Re: WANTING THE AMEX DELTA SKYMILES CARD, CURRENTLY LOW SCORE

jamesdwi — Thu, 23 May 2013 22:50:33 GMT

Work on getting your score upto 650, then AP for a charge card, PRG has AF waived for the first year, its probably the best travel card you can get, unless you travel for work and can justify the $450 AF for a platinum. It also ties in your membership year, if you work hard you may get to 650 this year so your membership year is locked at 2012, then in January or february you can AP for Delta Skymiles card and have it dated 1 or 2/2012 a free year of backdating goodness. Even if denied you will only get a SP so no real damage.

Given your low current limits a charge card may help with your UTL as well.

Re: Weird!!! look inside about amex

jamesdwi — Thu, 23 May 2013 19:31:35 GMT

Time cures almost all fico problems, 17 year history with credit and only 4 minor glitches in 10 years, makes you an ideal canidate, for just about any card. Then toss on the $100k plus income would most likely make most creditors besides JP Morgan drool to have you as a customer.

Welcome to the forum..

Re: How many CC trade lines do you have? What is the perfect number?

jamesdwi — Thu, 23 May 2013 11:35:44 GMT

2, too many!!!

"The total number of credit accounts you have is higher than 100% of members."

28 total

24 open

4 closed

and one still waiting to report.

EQ score alert today.. upto 707, my highest EQ alert ever. :smileyvery-happy:

Re: Would lenders judge you on Loggin into account many times?

jamesdwi — Wed, 22 May 2013 11:37:35 GMT

webhopper wrote:
I log into all my accounts at least twice a day... I have never seen harm come from it.

+1 same here..

Re: I want an AMEX CHARGE CARD!!!

jamesdwi — Tue, 21 May 2013 20:42:48 GMT

p- wrote:
CreditJunkie917 wrote: I really want an AMEX charge card...
IMHO the best Amex charge card is the Unicorn Card. You won't qualify; I don't think I've come across anyone who has received one recently... but it has no limit, and the AF is only 25 dollars.

That's the only AF card that I have, and I figure it's a pretty good value for an open-ended charge line. Plus the looks people give you when you pull out a rare all-white Amex are enjoyable...

The unicorn card AKA Zync was discontinued a few months ago, you can no longer AP for it, most of its rewards packages have been canceled and fees refunded. It was the best AMEX card for anyone that didn't spend over a $2000 a month on AMEX.

You can keep your current card, but its rewards are only 1 cent per dollar spent.

Re: HOW TO STAY IN THE GARDEN?

jamesdwi — Tue, 21 May 2013 18:58:20 GMT

its easier to stay in the garden when you have an existing relationship with AMEX and want to maximize backdating by APing in january, 1/<membership year> is 5months better than if you AP for today. For me I am staying in a lot of hotels for the next 6 months, that over rode waiting for for maximum back dating last week I apped, and get 2 years of backdating, if i would of waited till January, I would of gotten an extra year of backdating or 3 years bonus instead of 2.

Re: Garden Club Meeting - May 2013

jamesdwi — Tue, 21 May 2013 12:34:12 GMT

May just keeps getting better, if you saw my previous reply here you know I have allready added $12,300 in CLI and new CL love with a single HP and a new 2 year old TL ( AMEX Hilton Surpass).

This morning I wake up to double auto-CLI love from Chase, both my Freedom and Slate got a $300 CLI, for a new total of $12900 of CLI and CL love and since only one HP this month and reduced UTL and additional AAoA, My score should go up... I love gardening but i doubt that June can be nice.

Re: OK to put car down payment on CC?

jamesdwi — Tue, 21 May 2013 00:55:39 GMT

enharu wrote:
You will be fine. :P
My dealership allowed only 2500 on a credit card because I was really hard on the price lol. Got my car 1400 below true car prices. No other dealership in California was even willing to go 800 below true car for what I wanted.

Check with your dealership what's the max they allow. The more you bargain on the prices, the less they will allow. You can always ask them for the discount upfront and just pay cash. They are going to get charged transaction fees if u use a card, so might as well let you have a bigger discount and they avoid that fee altogether.

For cars 80k and up pretax, most car dealerships will let you pif using a credit card without any issues unless you really got a good bargain on the price.

My friend only has 10k limit on her csp and Beverly Hills Porsche allowed her to put the whole car on the card. She literally had to do 11 payments and drop by the branch 11 days in a row except Sunday to pay in full before she was able to finally pick the car up. The trouble she went through for rewards.... Worth it I suppose.

Sounds like they made a few too many trips to the bank, CSP is a signature, probably could of did half as many payments perhaps even one with a few phones calls and a fax to a friendly underwriter that wanted to increase hidden limit for the purchase.

Re: Sams Increase

jamesdwi — Sun, 19 May 2013 22:00:30 GMT

Congrats, yeap Sam's Club will grow.. treat em right and they could end up being your largest store card...

Re: Walmart Showd me no luv

jamesdwi — Sun, 19 May 2013 14:20:27 GMT

Just wait a month and try again, you may get an auto-CLI, my walmart card seemed to take a couple extra months before I got my lastest CLI, not sure why all my other cards got nice CLI's some accounts just take a bit longer, use the card and make more than the minimum payment or PIF.

Re: Should I go for Discover It?

jamesdwi — Sun, 19 May 2013 14:15:58 GMT

Call and ask for a product change to the "IT" card, no SP or HP and, then they will send you a new card.

Re: what are my odds....chase SP

jamesdwi — Sun, 19 May 2013 04:04:40 GMT

Chances look good, even before balances update, unless you have a card over 60-70% showing, 14% is good enough when you have over a 700 score and existing cards with over a 5k limit.

Re: What cards to use for what purposes?

jamesdwi — Sun, 19 May 2013 03:46:16 GMT

BOA for gas unless discover has gas as a 5% catagorie

PRG for travel and groceries ( or boa for grocercies but your CL is low if you do a lot of driving and have a family to feed)

Discover for 5% catagory plus discover Mall, Perhaps balance transfer

Re: Discover IT invitation

jamesdwi — Sun, 19 May 2013 03:39:51 GMT

I wouldn't worry about the Invite to AP for discover they will send you more, proabably one every couple weeks or a month. Waiting for CLI from Amex is good, but I personally would wait a little longer to AP for discover unless you have plans for it, wait for the CLI on the Amex to post to your reports, may help get you a better starting limit on the Discover card and let your INQ from the Amex card age to 3 months, and if you have to recon the Discover, you can say your companies kept sending me the invites really wasnt in the market for another card but your rewards peaked my interest.

Re: PC from Chase Freedom to CSP

jamesdwi — Sun, 19 May 2013 02:45:11 GMT

FocusedAndDetermined wrote:
Good luck!

Just curious, why didn't you app for the CSP, so you would be eligible for the signup bonus?

40,000 points, good for $500 in travel. If approved you can move some of that 16k to the CSP if starting limit isn't high enough,

Also wondering why gold, when you could get the PR Gold with the first year fee waived, and 3x points on flights stackable with there mile reward programs.

Re: AMEX GREEN 619 FICO?

jamesdwi — Sat, 18 May 2013 18:45:24 GMT

The green is NPSL ( no preset spending limit), it will grow with you as you use it. Don't spend more than your monthly income and remember you have to pay it all back each month. I would just garden for now, even if you were approved it would be for another $500 CL, Garden for 6 months boost the deposit in your secured card it will help you get larger CL's in the future.