swpopham Tracker

Re: Which should I apply for? CSP or Palladium?

swpopham — Sun, 19 May 2013 18:40:17 GMT

It wont work in the gas/diesel pumps around here either. Id end up using amex mostly

Re: Navy Federal -Big Rewards system upgrade!

swpopham — Sun, 19 May 2013 17:56:16 GMT

Yes you can pc just call them

Re: Which should I apply for? CSP or Palladium?

swpopham — Fri, 17 May 2013 18:16:54 GMT

bribro wrote:

Awesome! I really feel like they should make this an official benefit of the card. With the close relationship between UA and JPMC, it shouldn't be too expensive to add. Some kind of airline status would be a nice benefit too, although I suspect most Palladium cardmembers have elite status anyway.

Since I think there are only 3 of us with the card on this board. I dropped down to the JPM Select card. The problem you will have with mixing cards is you have to call PD service or CLI or issues. The normal chase underwriting wont do the JPM cards. But the JPM underwriters will do the Chase cards. I really liked the cards but the attention and securtiy concerns got to much for me and the wife to stomach. We had our card passed around at restraunts or had cashiers yell at her friend HEY WE GOT A RICH PERSON CARD HERE. its annoying and the CSP is bad but not nearly we hear all the time this card is heavy or they look for the numbers on the front or say sorry we dont take that is not a visa.... until they flip it over. PD card is not for everyone its cool yes but the JPM dose everything I need including the hidden tradeline that we leave 20-40k sitting hidden on it to finance different projects for us.

I missed the thread when it started!

Re: Credit card repossession?

swpopham — Thu, 16 May 2013 23:05:44 GMT

dispute it

Re: card for the wife wells fargo or boa?

swpopham — Thu, 16 May 2013 20:49:31 GMT

citi declined her in Jan for inquries on eq...dunno if I like the way citi is, Im still screwing the presidential office over my account I told them to up the limit or close it. its been 6 months since I opened it.

Re: card for the wife wells fargo or boa?

swpopham — Thu, 16 May 2013 20:38:29 GMT

12 year file aaoa 7.0 inquries are spread between them all for the last 2 years, income around 85k 1 bad from toyota in 2009 (still fighting over a lease return) shows charge off 0 balance customer disuptes and disagrees with resolution.

cards

Chase CSP 30k- dunnp prob 3.5 for the month (joint)

Nfcu 22k- 28k- 2.5k balance (joint)

walmart- 10.5k 3500 statement cut and PIF (new tires) (hers)

lowes 7.5k- 0 balance (hers)

nav check 15k- 0 balance(joint)

nav check 15k- 0 balance (joint)

ben bridge 15k- 9k balance (joint)

Ink cash + 100k dosent report

jp morgan pd card 50k dosent report both joint accounts

150k house paid down to 82k in 5 years

cars/trucks/ business loans are in my name

card for the wife wells fargo or boa?

swpopham — Thu, 16 May 2013 20:25:11 GMT

We just checked her reports and they are all right around 730s mostly 0 balances.

Im wanting to pick up a card just for her. Everything we have is joint, except the new ML+ card that I have coming. I think it would be a good idea to at least have one card with a different issur besides chase and nfcu. Amex hates her and discover seems to turn her down everytime. So open to ideas, dont need a cash rewards or anything, just a normal low interest credit card. I think we have hit our max limit at NFCU and Chase so.... ideas. her inquries are around 6-8 most from car shopping and 2 from ge for paypal and lowes

Re: Merrill Lynch total cash +

swpopham — Thu, 16 May 2013 19:53:30 GMT

within the last 25 months... It seems like everytime we buy a new truck and dont go straight to NFCU the car lot always pulls ex... bastards.

the anayslist didnt even bring up inquries

Re: Merrill Lynch total cash +

swpopham — Thu, 16 May 2013 18:43:19 GMT

She pulled EX and EQ. I should have kept ex frozen because im at 22 pulls on it and only 2 on eq now and 1 on tu...

Re: Merrill Lynch total cash +

swpopham — Thu, 16 May 2013 17:56:49 GMT

for the ease of growth to match our other cards. My dads ML + card has something like 125k limit on it.

Re: Merrill Lynch total cash +

swpopham — Thu, 16 May 2013 17:49:05 GMT

so how is boa if i carry a balance on the 0% for 18 that they offered?

Re: American Express FR (THIS IS HAPPENING!)

swpopham — Thu, 16 May 2013 17:14:28 GMT

so my theory is confirmed, its the same thing that happened to my wife. I spent more then her as an AU and they FR'd her then. On my PRG I had her put a big 9k charge through on her card and bamn FR. So this is 3 for 3. As soon as I called in being through 3 FRs they said no problem mr popham it was our system and unfroze my account. I stated 168k as income and last years taxes were 196k so I backed up what I told them. And so far they have left me alone for 6 months but they wont approve me for a bcp so go fish....

Re: American Express FR (THIS IS HAPPENING!)

swpopham — Thu, 16 May 2013 16:43:43 GMT

hoepfully you have a backup card. Were you spending more then the primary?

Merrill Lynch total cash +

swpopham — Thu, 16 May 2013 16:37:24 GMT

After amex declined me on my recon to pick up a BCP I was like WTH and went and called Merrill Lynch for the cash + card. I have avoided BOA like the plauge but I decided Ill try them. Went threw the slow app process and then she said I have to transfer you to a credit analyst. I said okay, went to a really nice lady, she looked over my credit and said your approved for 10k. I said can you do a little more. She was nice enough and said after you pay your 2nd statement call ML and we can take care of it with a soft pull from now on! I said good deal. Thanked her for her time and went on about harrassing citi bank.

https://card.ml.com/RWDapp/ml/viewcards

Citi bank esclations!

swpopham — Thu, 16 May 2013 00:39:02 GMT

Called to close my account, told the lady that the limit was too low to be usable. Shed said you need to call this number before we close it. 800-444-2568. So last night I called and it is the retention department. Spoke to a nice lady who asked what limit I was looking for and I said 20k match my nfcu or csp limit. She said okay Ill call you back in 30 min or less. Well today at noon I still havent heard from her so I called back. I was told it was declined. The lady was rude. I went to her supervisor and he transfered me over to the presidental office. I told the lady from the presidental office that it was sad that even the reps wouldnt tell you why you were declined. she said Mr. Popham your CRA-equifax is frozen and I cant soft or hard pull you. I said why did i have to sit on hold for 40 min to get tihs simple explaination? she assured me it would be addressed and waited for me to unfreeze equifax and said she would call me personally in 24-72 hours also.

I figured what the heck its been 6 statements since the card was open and I have given them about 12k in business

edit by webhopper

Re: is the 6th time a charm?

swpopham — Wed, 15 May 2013 19:27:34 GMT

Since I never give up I called the EO today and explained that my report has been frozed and asked her to send it over to the review team. She thanked me and said they would be in contact in the next 24-72 hours

Re: is the 6th time a charm?

swpopham — Wed, 15 May 2013 03:23:37 GMT

myjourney wrote:
swpopham wrote:
declined, she said they went off a soft pull from 1/26/13 and the reasons listed on feb,march,april and now mays decline are the same. We wont pull a hard inquiry because we have a soft on file.... mam its 4+months old. reply: oh well, you have a great card with us and we encourge you to use it more.... ummmm I put 11.5k in april and pif and im at 7k for this month. She said im sure you will get approved eveuntualy but your score is a 696 and its to low for us. K thanks good bye.....click
1/26/13 wow that ridiculous....sorry

oh well try again next month lol!

Re: is the 6th time a charm?

swpopham — Wed, 15 May 2013 03:19:44 GMT

declined, she said they went off a soft pull from 1/26/13 and the reasons listed on feb,march,april and now mays decline are the same. We wont pull a hard inquiry because we have a soft on file.... mam its 4+months old. reply: oh well, you have a great card with us and we encourge you to use it more.... ummmm I put 11.5k in april and pif and im at 7k for this month. She said im sure you will get approved eveuntualy but your score is a 696 and its to low for us. K thanks good bye.....click

Re: is the 6th time a charm?

swpopham — Wed, 15 May 2013 02:50:56 GMT

theoldnocreditmaster wrote:
If you've got a clean file with a spending habit of 10K they would approve you. There is something else going on here......

I never said anything about a clean file! my fiile is 20+ pages of color! lol. I had a car repoed when i was in iraq in 04 and a discover charge off in 04 while overseas. But everything looks good since then, I dont know what my ex inquiry count is but its not too bad. every app for amex has been a soft

Re: is the 6th time a charm?

swpopham — Wed, 15 May 2013 02:47:17 GMT

Rackham94 wrote:
Yes! Did you call the automated line?

Ive been looking at the online thingy