atarvuzdar Tracker

Re: Do cc companies try to match high CLs?

atarvuzdar — Wed, 15 May 2013 15:38:06 GMT

GE has been matching or exceeding my highest limit on my CLI's this year and on the eBay MC I app'd for as well. Granted, all of my limits are low and a good majority of my cards are backed by GE, but I now pretty much know that they will up me to at least what I have on other cards. Once I got my Discover with $1000 limit my Walmart auto-CLI'd to $1200 the following month and Amazon went to $1000. When my CapOne's were CLI'd to $1500 each (after telling the EO that Discover was my new go-to) I got $1500 on Lowe's and $2000 on eBay. After eBay reported, JCP jumped to $2200 and Walmart to $2000.... etc. It's a happy game of leapfrog that I'm enjoying the benefits of right now. Amazon should be next in line for a CLI in a month or two, and I suspect it'll increase to somewhere around $2000 as well. Discover ages to 6 months next month as well, it'll be interesting to see if this phenomenon is just relegated to GE in my little circumstance or whether Discover will follow the same route of leapfrogging the competition.

All for what it's worth.

Capital One Update Income Info

atarvuzdar — Thu, 09 May 2013 14:32:51 GMT

Hey all, not sure if this is a new feature or not but when I logged into my Capital One account just now it asked me if I wanted to update my account info, including income and employment status. I noticed when I clicked on the link that they had no income or employment status for me listed whatsoever. Of course, there's no guarantee that they really don't have my information on file but I updated it ASAP anyway to account for my most recent W2 statement (which is higher than when I first applied for my two cards).

Probably not related to everyone with sub-prime CapOne cards not being able to get an increase outside of the EO but wanted to mention it just in case maybe they're starting to evaluate non-prime accounts again.

Re: Walmart Store Card

atarvuzdar — Mon, 06 May 2013 15:29:21 GMT

Give_Me_Credit_Please wrote:
I really don't think approvals go by score but more about the content of your CR, it seems like Walmart and store cards are inconsistant on their approvals. You can be in the 500's with good history and get approve versus 600's with slow pay or baddies and get denied. So scores don't make much of a big difference as long as your content meets their standards.

There are certainly some triggers that freak out the automated system for applicants with higher scores. Those same triggers are most likely not present on the reports of applicants in the 500s. Therefore, I somewhat agree with this statement. Though I'm not certain it's possible to have a score in the 500's with good history, per se. There has to be some sort of not-so-clean information on a CR to have a 500-599, I would imagine.

Re: Walmart Store Card

atarvuzdar — Mon, 06 May 2013 14:54:49 GMT

Enroll in electronic statements to get the TU score.

You can request a CLI every 4 statements but they may give you an auto-CLI before the 4th statement, it varies. Very generous lender, in my opinion.

Re: Update on the daydreams full of pineapples.

atarvuzdar — Mon, 06 May 2013 14:44:31 GMT

Sorry abou the wife's decision on the house, but way to go on everything else!

Re: According to MyFico - Discover it rules all!

atarvuzdar — Wed, 01 May 2013 12:41:29 GMT

I don't mind the links at the top of the page but the pop-up EVERY TIME I LOG ON TO MYFICO is exceedingly obnoxious. And before some myFICO representative reads this and thinks I only think it's obnoxious because it's always Discover, that's not it at all. ANY pop-up every time I log in would be annoying, even if it changed products with each visit.

If I frequent the myFICO forums the chances are high that I know how to go out and seek credit (for better or worse) myself. I don't need it shoved down my throat.

Re: More GE love!

atarvuzdar — Thu, 25 Apr 2013 13:02:55 GMT

Wow, nice CL's and way to go on hitting the 5-digit CL milestone :)

Re: CAPITOL ONE NOT REPORTING CREDIT LIMIT?

atarvuzdar — Tue, 23 Apr 2013 18:51:25 GMT

All of my new accounts have shown the same way on myFICO when they're first reported, per the ScoreWatch alert. It's only temporary, don't worry too much about it. If I recall correctly, when the first statement cuts from Cap1 and myFICO gets the info it'll be updated.

Re: 1st Auto Credit limit increase

atarvuzdar — Mon, 22 Apr 2013 19:34:26 GMT

Hey, you more than doubled your limit, that's still very impressive. Congratulations!

Re: GE CLI'S 😍

atarvuzdar — Mon, 22 Apr 2013 19:30:26 GMT

webhopper wrote:
youngandcreditwrthy wrote:
Yeah! You gotta use them a little bit to get the clis. I used my $6500 JCP to buy $1.07 dish soap at CVS the other day haha and pif!! :-P

GE is big on making sure you have:
A. Currently clean credit report
B. four on time payments...

...how you get clis, trust me!!!!😏😌👍👍
Wait... did I hear you right? JCP can be used at CVS?

I just looked this up: apparently JCP can be used at CVS, Rite Aid, Sephora

Regarding Sephora, you can use your JCP card at the Sephora mini-store inside JC Penney's, however you cannot use your JCP card at an actual Sephora store... at least, that's the experience I had when I went to the Sephora at the local mall to pick up some things for my daughter for Christmas. The cashier and manager both looked at me like I had three heads when I asked if it was possible. However, when I went to the other local mall and walked into JCP I had no problems using my JCP card in the Sephora mini-store (which had better deals than the stand-alone store at the previous mall!).

Re: GE CLI'S 😍

atarvuzdar — Sun, 21 Apr 2013 17:32:47 GMT

Way to go, Lexie :)

For what it's worth, is there any difference between the PayPal MC and the eBay MC? I app'd (and was approved for) the eBay MC because I was afraid that if I app'd for the PayPal that they would counter with Smart Connect and I just didn't want that. I wanted to be sure I would get the MC so that's why I went with the eBay. Not that I think you'd have a hard time getting the MC version of PayPal, just throwing it out there. :) Good luck!

Re: Orchard CC Changeover

atarvuzdar — Fri, 19 Apr 2013 16:30:59 GMT

I don't think so, since the cards already report as CapOne on credit reports... but now you have me paranoid!

Re: Orchard CC Changeover

atarvuzdar — Fri, 19 Apr 2013 16:26:17 GMT

Yeah, I got the same mailing yesterday. Holding off until the completed transition to see if the CapOne EO will consider a CLI on the account without a HP like the Orchard EO does now. If they don't budge I'll be closing the card before the AF hits again.

Re: Holy JCP CLI, Batman!

atarvuzdar — Fri, 19 Apr 2013 15:07:45 GMT

So I've noticed! It was the 4th in a line of cards I apped for in a GE app spree in 9/2012, and had the lowest starting limit as a result. It was the first to get an auto-CLI and is now the highest of the 4 cards in terms of limits! I had heard that it was one of the fastest of the fast-growing GE cards. Being a rebuilder, that was honestly my main reason for getting the card... though, being able to use it in CVS and funding my teenager's newfound love of Sephora (God help me) are both nice reasons for the card as well. :)

Holy JCP CLI, Batman!

atarvuzdar — Fri, 19 Apr 2013 14:03:40 GMT

$700 to $2200 via luv button!!

For anyone who may be thinking "Credit Solutions"... they don't seem to like something on my report because they always deny me when I call, but their automated system sure does seem to think I'm worth it!

History: $200 9/2012, $700 auto 11/2012, $2200 today. I don't use the card much, in fact, had to make a purchase this past month ($29 and paid off the following week) just to generate another statement so I could request a CLI.

Re: ADDING FAMILY AS AU ON CC's?

atarvuzdar — Wed, 17 Apr 2013 20:00:26 GMT

Parents got sick at about the same time, I don't see any bad fiscal habits in that. Not everyone who falls behind on debt did so because they were careless...

To the Op: Helping your parents is commendable, good for you. :)

Re: WalMart CLI

atarvuzdar — Wed, 17 Apr 2013 12:55:51 GMT

Good job!

Re: LO ask you to close CC as a condition for approval

atarvuzdar — Wed, 17 Apr 2013 12:02:04 GMT

My SO had to close all 3 of his AMEX cards back in '06 as a condition for getting a mortgage approval. The LO didn't like any type of account with no credit limit. My SO wasn't really in any sort of position to decline the request and, while it would be nice to have those AMEX cards, I think my SO much prefers to have the house.

Re: Amazon credit card

atarvuzdar — Tue, 16 Apr 2013 13:48:27 GMT

No, you either apply for the Chase Amazon or the Amazon store card. Separate applications and there is no booby prize of getting the Amazon store card if you don't qualify for the Chase Amazon.

Re: Low credit limit is not a good reason to close credit cards

atarvuzdar — Sun, 14 Apr 2013 15:56:25 GMT

I'll gladly close a card with a REALLY low limit (some would say all of my cards have low CL's and I respect that). It took exactly one creditor asking me about my $100 Macy's limit (after unsuccessful attempts to get a CLI) for me to close it.

ETA: Once Orchard completes the switch to Cap One I'll probably close my Orchard card too if I can't get Cap One's EO to raise the limit.