WhiteCollar Tracker

VS Auto CLI

WhiteCollar — Thu, 23 May 2013 21:04:08 GMT

Today I logged into my Victoria's Secret account and noticed that my CL has increased by $500. I have been using the card a lot more lately...I'll take it.

Re: Discover It..Should I apply??

WhiteCollar — Fri, 03 May 2013 19:11:13 GMT

Utilization is 58% according to credit karma.

Discover It...Should I apply??

WhiteCollar — Fri, 03 May 2013 16:31:16 GMT

....does it seem like Discover It is an easy card to obtain? I've seen many recent posts about folks getting approved for the card with mediocre credit. I thought by it being a prime card, the criteria would be more strict. I really want to add a Discover card to my wallet but was trying to wait until I got my utilization down a bit. But after reading all these approval posts, I'm just may bite the bullet and app for it.

Should I app now or wait? I have been denied in the past and I know they will pull EQ. My correct scores are 658 (CreditKarma) and 645 (EXP) 661 (TU) 678 (EQ) via USA credit monitoring. I have 4 prime cards with $5k limits and few store cards with limits above $1500. However, I'm concerned with the number of inquiries and baddies. The youngest is from 2009 and oldest is 2007. 2 of the baddies will fall of in July 2014. I have 11 inq's with the youngest being October 2012 and the oldest being Sept. 2011. I have not missed a payments or been late in over 3 years.

What are my chances of approval??

Re: Freedom convert to Sapphire Preferred....Can it be done?

WhiteCollar — Fri, 03 May 2013 04:11:40 GMT

About 6-8 months. I did not like the Freedom so it was a easy way to obtain the CSP.

Re: Freedom convert to Sapphire Preferred....Can it be done?

WhiteCollar — Fri, 03 May 2013 03:54:48 GMT

Yes it can be done! I had my Freedom converted to a CSP about a year ago. I simply called to request it.

Help Me Select a Citi Card......

WhiteCollar — Fri, 26 Apr 2013 14:32:06 GMT

I'd like to add a new mastercard (too many Visa's) and a card issued by Citi to my collection. I'm chose Citi because of price rewind and private pass programs. I combed the Citi site but was not really impressed with their cards and associated rewards programs. I want a card with EMV (all Citi card now have it) , no annual fee and a balance transfer promotion. I think all no annual fee cards charge a transaction fee (BOO!!). Thanks in advance. :smileyhappy:

Re: Surprised by intial CL

WhiteCollar — Thu, 25 Apr 2013 09:10:58 GMT

February 2011.

Re: Surprised by intial CL

WhiteCollar — Thu, 25 Apr 2013 08:25:05 GMT

My initial CL was $2K.

Re: Macy's CLI!

WhiteCollar — Tue, 23 Apr 2013 19:24:09 GMT

Thanks! I've had the card I believe since May 2011. My starting limit was $800 and now it's $2k. I've had several CLI but I've initiated them all up until now. I normally do not use the card often and when I do I always PIF. However lately, the past 2 months or so I've been using it a lot. I've ran about $800 through the card the last 60 days or so. Hopwfully they'll show my Bloomies account the same love. *fingers crossed*

Macy's CLI!

WhiteCollar — Tue, 23 Apr 2013 19:11:12 GMT

Just happened to log into Credit Karma today and noticed my Macy's CL increased by $500! It's not much, but I'll take it since Macy's is not know for givng random CLI. :smileyhappy:

Citi Announces U.S. Credit Card Agreement with Best Buy - NO MORE Crap One!!

WhiteCollar — Wed, 20 Feb 2013 20:10:46 GMT

Citigroup will enter into a strategic agreement with Best Buy to issue and manage Best Buy-branded cards in the United States. In addition, Citi also reached an agreement with Capital One Financial Corp. to acquire approximately $7 billion of Best Buy private label and co-branded card loans.

http://www.marketwatch.com/story/citi-announces-us-credit-card-agreement-with-best-buy-2013-02-19

Re: What has been best promo for CSP?

WhiteCollar — Thu, 10 Jan 2013 22:35:36 GMT

Mine was 50k back in May 2012.

PC to....?????

WhiteCollar — Wed, 09 Jan 2013 20:33:58 GMT

I have both the Southwest Visa and CSP. My 1 year anniversary on the Southwest card is approaching and I need to decide if I'm going to keep it or PC to something else before I incur the AF. It appears having both the CSP and Southwest visa is redundant and both have $95 AF's. I've decided that the CSP will serve me better overall but as I browse through Chases credit card portfolio, I'm not sure which card to PC to. The JPM Select is a contender (hidden TL) as well as the Hyatt and Marriott cards because they both have the smartchip which is great for overseas traveling which I plan to do later this year but I'm not sure which card to select. I usually stay at Starwood hotels when I travel but their card is issued by AMEX. Can you please help me decide?? Thanks in advance!

Re: Chase Sapphire Preferred approval

WhiteCollar — Sat, 01 Dec 2012 04:48:57 GMT

Congrats!! It's an awesome card, I just redeemed points for $700 cash!!!

Re: LENDER RECOMMENDATION

WhiteCollar — Wed, 28 Nov 2012 23:45:23 GMT

Try using a credit union. The APR will be high because its an older vehicle.

Re: Now that Zync is gone......

WhiteCollar — Fri, 23 Nov 2012 00:13:12 GMT

8 credit cards (5 prime Visa/MC's and Nordstrom, Macy's and Bloomies). 4 prime cards have 5k limits. Scores are 693 TU, 663 EXP and 658 EXP (via USAA). Aaoa is 5.4 years. 3 baddies on each report from 2008 and 2009 respectively. UTL is currently 24%.

Re: Now that Zync is gone......

WhiteCollar — Thu, 22 Nov 2012 16:35:14 GMT

Thanks for all the input. Let's circle back to the OP. I stated I'M NOT A FAN OF CHARGE CARDS, just never saw the point in having one and my dream card is the Costco TE. However, I'm concerned about getting approved because I've heard it has strict underwriting criteria. I thought of the Delta Gold becuase I've heard they are more lienant with approvals and after 1year you can PC change.

Now that Zync is gone......

WhiteCollar — Thu, 22 Nov 2012 02:11:13 GMT

Now that Zync is gone, what is the best way to get your foot in the door with AMEX? I'm not a fan of charge cards, more interested in their revolvers. I really, really, I'm mean really the Costco True Earnings card but I've heard that's not the best card to app for if you are new to the AMEX family. I've heard of folks getting the Delta SkyMiles Gold card and doing a PC later. I'm open to taking that route.

Thanks in advance for your suggestions! :smileyvery-happy:

The Worst Credit Cards of 2012

WhiteCollar — Sat, 17 Nov 2012 02:10:52 GMT

I came across this list today. Not surprised to see First Premier at the top!

http://www.cardhub.com/worst-credit-cards/

Re: Best Buy sending out new store card (design)

WhiteCollar — Thu, 15 Nov 2012 21:11:42 GMT

I have the Gold BBRZMC that has the $59 AF. My cards look totally different. My old card had a shiny finish where my new one has a matte dark blue finish.