amercnchopz34 Tracker

Re: Discover CLI........just pulled trigger. APPROVED

amercnchopz34 — Mon, 29 Apr 2013 02:01:54 GMT

Was not offered online.....i call the IT hotline on the back of card......put in the request....they said it needed further review...transfered me to an credit limit manager.....he asked me a few questions....yada yada...why i want limit?......he said that the limit will be increased right away...

Re: Discover CLI........just pulled trigger. APPROVED

amercnchopz34 — Mon, 29 Apr 2013 01:30:11 GMT

A couple of months there was a small balance...but not more than 50.00

Discover CLI........just pulled trigger. APPROVED

amercnchopz34 — Mon, 29 Apr 2013 01:28:21 GMT

Well...6 months since account was opened.....opened with 1000 cl.....waited used the card for a bit....paid in full........ask for increase.....APPROVED...5000 cl......worth the hard pull...

Re: CSP and ChargeSmart

amercnchopz34 — Thu, 18 Apr 2013 01:37:52 GMT

I used mine...forr about 1500 ...no issues...good luck

Re: Need advice and help......

amercnchopz34 — Sat, 30 Mar 2013 20:00:16 GMT

LS2982 wrote:
amercnchopz34 wrote:
Hey Guys,

I need some help.....i have gotten a little over my head on some CC debt with holidays and frivilous spending

Here my current status ...about 17 % total utlizitatiion....

Cap one 3500 balance 0 % till February 2014...... 5000 CL
Barclays 3000 bal 0% till May 2014 ...5000 CL
Citi TY Preff 800 0 % till June 2014......2000 CL
Alliant CU 1400 0% ending May ..then to 14% ....5000CL

What is the best way to approach this.....I would like to move the 1400 Alliant to 0% barclay BT but will be close to max out + with fees and 0% APR ending in May 2014 afraid I may not have it paid off in time then rate jumps to 22.78%...ouch!!!

I will have to carry a balance on some these cards past the 0% dates but no choice till I can get them down....

No more apping for me .....Just need to garden and these paid down...

Any advice would be great

Your in the same boat I am except I have about 7K more on 0% deferred interest.

I would clear the CU balance 1st, then highest to lowest balances on the 0% taking the dates into consideration.

thanks LS ...yeah I remember your posting........I was just not sure If I should BT to Barclay if that would be a good option.....I dont believe so ....I thought that paying down the CU would be the best choice becoause then th apr will be 14% ......
any other advice??

Need advice and help......

amercnchopz34 — Sat, 30 Mar 2013 20:07:06 GMT

Hey Guys,

I need some help.....i have gotten a little over my head on some CC debt with holidays and frivilous spending

Here my current status ...about 17 % total utlizitatiion....

Cap one 3500 balance 0 % till February 2014...... 5000 CL

Barclays 3000 bal 0% till May 2014 ...5000 CL

Citi TY Preff 800 0 % till June 2014......2000 CL

Alliant CU 1400 0% ending May ..then to 14% ....5000CL

What is the best way to approach this.....I would like to move the 1400 Alliant to 0% barclay BT but will be close to max out + with fees and 0% APR ending in May 2014 afraid I may not have it paid off in time then rate jumps to 22.78%...ouch!!!

I will have to carry a balance on some these cards past the 0% dates but no choice till I can get them down....

No more apping for me .....Just need to garden and get these paid down...

Any advice would be great

Re: What was the worst credit you had approved for CSP?

amercnchopz34 — Sun, 17 Mar 2013 01:39:25 GMT

I got a CSP in January with a BK 7 reporting 7.5 yrs..no other neg besides bk reporting.....about 10 inq on each report about 6 months old.....i was a Washington mutual customer that transferred to Chase...thenmy 3000 CL was CLD to 800 and 29.99 apr...paid off and closed....also IIB chase for about 5000...
Hope this helps

Re: Best Buy store card success...........VERY HAPPY

amercnchopz34 — Sun, 24 Feb 2013 03:32:38 GMT

BearsAndTurtlesRtheBest wrote:
Yeah! Thats awesome!!! But what do you mean by plan B and A ? Ive never heard of that with the best buy cards.

b accounts are extended lines of credit for people with not so great credit ....CL given intially is max....never a cli.....A accounts are regular cl that will at somepoint be eligible for cli

Best Buy store card success...........VERY HAPPY

amercnchopz34 — Sun, 24 Feb 2013 02:54:56 GMT

In 2008 I was approved for a BB store card..plan B account....max CL of 750...,,,..reapplied a 6 monhs ago (was trying or a plan A account no CL cap).....

approved for second plan B account..750 CL MAX again...

called cap one exec..got acounts combined..1500 max cl....it did not work for me and i shut it down 30 days ago ...yesterday i get a call from somone at Cap One last week who says that they are from the " presidents office " wondering why i closed the account...explained that i needed an account that would grow with me....she said t hat they would review my account and see what she could do for me.

fast forward to today......i got call from same lady who says he account has been converted to a plan A account with a 4000 Cl all with same date opened date of 2008....SCORE......

pretty happy....I know that the cc accounts have been sold to Citi....i hope all is good.....

Re: HHonors amex?

amercnchopz34 — Sat, 23 Feb 2013 17:02:19 GMT

call the app status....looks like denial...there sending a letter

HHonors amex?

amercnchopz34 — Sat, 23 Feb 2013 16:28:06 GMT

Going to be traveling......staying on hilton property......applied..got pending further review.....check back in 24 hrs......i figured i would spply..if denied its a soft......is this a denial?

checked status 1hr later still pending...

Re: Another capital one executive office success

amercnchopz34 — Thu, 21 Feb 2013 12:17:20 GMT

ymmv wrote:
So my credit rebuilding journey started nearly two years ago. All I had to my name was an express credit card I applied for on the whim and several closed major ccs with deliquent payments.

C1 gave me a $300 cl and bumped it to $500 after six months. No frills no zero Apr deals, nothing since. After several requests and denials I emailed the exec office and they've just bumped me to $5000 and 1% cashback on the card. I feel my journey has finally come full circle.

Thanks myfico!

Could you pm me the email as well..

congrats

Re: GE Chevron/Texeco Visa CLI!!

amercnchopz34 — Sun, 17 Feb 2013 17:08:42 GMT

LS2982 wrote:
WINNING!!!

Only $500 tho. $1500 to $2000.

congrats....good to see you back ......we missed you ...:smileyhappy:

I shut down my Chevron card not visa,I just did not see the worth in havind it with a BCP for gas......

Re: Close Chevron?!

amercnchopz34 — Sat, 02 Feb 2013 18:18:03 GMT

I shut mine down ...it was a year old.......had an increase to 1000CL.....just did not use it much....use Amex BCP for fuel now.......

Stepped out of garden...Citi Thank You.......Citi Diamond app

amercnchopz34 — Sat, 02 Feb 2013 02:03:52 GMT

A few weeks ago i apped for Citi Thank you Preffered and after Recon i was approved for 2000 cl.....well the same day i apped for Citi Diamond Preffered as well..got shot down ( inq)...

well when i reconed the TY app they must have reconsidered the diamond app ( no 2nd pull).......approved 1200....0 % APR......18 months ........then 15.9 after........got the chipped card as well....

Ebay purchases count? Points

amercnchopz34 — Thu, 24 Jan 2013 14:49:40 GMT

I was going to make a purchase on ebay for some tires for truck with my CSP to get to 3000 limit or 40000 points...do these count towards my purchases?

Re: Now Most Citicards have EMV Chips!!!!

amercnchopz34 — Tue, 22 Jan 2013 00:24:31 GMT

LesWH wrote:
Ron1 wrote:
Sorry. No Amex. They don't have it yet. I think Amex Platinum Cards or the Centurion Cards have EMV chip. You might want to call them to request one.I think it's only for Visa/MC.

Ron.
Yes it is on the Platinum AMEX. AMEX is delivering my new Platinum card with it tomorrow.

I am sorry for the dumb question...

what does the EMV chip do for you ??

Re: bonus points and Credit card payments for auto loan ??

amercnchopz34 — Sun, 20 Jan 2013 16:59:58 GMT

Open123 wrote:
Prepaid gift cards at supermarkets and office supply stores are all counted as "purchases." For instance, just throw in some gift cards when grocery shopping--it'll all be classificed under the "groceries" merchant code.

If you use a site like williamspaid to process your rent or chargesmart for your mortgage, they all count as purchases. Or, just prepay your 2013 taxes.

With the above, it should be very easy to meet the spend requirement of $3k.

understood.....not needing the gift cards and I am getting a refund on my taxes( ya to me lol)....

I just dont want to use the bill pay for ally unless I know for sure that it will count towards the points...

the wife pays the mortgage and I pay her......ie the low monthly bills minus car payment

Re: bonus points and Credit card payments for auto loan ??

amercnchopz34 — Sun, 20 Jan 2013 16:48:00 GMT

Credit314 wrote:
+1

just spoke to CSR and they said as long as payment is processed as a purchase and not a cash advance then it ok....I think this will be like a cash advance right or am I wrong??

bonus points and Credit card payments for auto loan ??

amercnchopz34 — Sun, 20 Jan 2013 16:34:35 GMT

I have a auto loan thru Ally...They offer Western Union speed pay as an option of payment ( trying to hit the 3000 spending in 3 months on CSP)

my bills do not add up to 1000 a month .

Can I make the payment with CC and still get the spending included in my 3000 spend total??

I know that there will be a 8.00 fee associated with this charge?

Any help would be great...