masscredit Tracker

Re: Capital one CL increases without requesting...

masscredit — Sun, 19 May 2013 06:26:41 GMT

I found that my Cap 1 card is a credit steps. Started at $500, then $750. then asked for $1500. then $2500.

Re: Credit card suggestions, what should I try to get?

masscredit — Thu, 16 May 2013 14:56:04 GMT

Thanks for the replies! I totally understand where you are coming from reguarding paying down the balances. I actually didn't think they were that bad. Only two cards are carrying a balance but Target is a little on the high side (electronics dept shopping). The rest are either PIF by the due date or not getting any use. Utilization currently about 38% reported.

As for the tax liens, I didn't get the winning Powerball ticket that I requested last night so they aren't going anywhere.

My reason for getting another card or two is to have cards with higher limits and lower interest. But I guess your right, I need to do a little work to make that happen. Barclay's has the low interest offer so if I pay down Target, I'll have Barclays as the only card with a decent balance (utilization on that card would be less than 50% then). I'll probably have a better shot at being approved for better cards.

Re: Credit card suggestions, what should I try to get?

masscredit — Thu, 16 May 2013 05:19:11 GMT

Nope. Those are marked as "currently non-collectible" (state and fed). 5 liens totaling about $25k. Mostly due to various taxes from when I owned my owe business and the economy went downhill.

Re: Credit card suggestions, what should I try to get?

masscredit — Thu, 16 May 2013 05:12:25 GMT

The Barclay's balance was about $600. when I received the increase. I did a few transfers to take advantage of the lower rate. I'm going to concentrate on paying down the Target card first.

Credit card suggestions, what should I try to get?

masscredit — Thu, 16 May 2013 04:47:58 GMT

BK discharged in Feb of '10. Had a score of 520 in Sept of that year. Currently at 661 TU and 684 EQ. 5 tax liens that aren't going anywhere. 16 inquiries show on my report (Credit Karma). I'm going to estimate that 6 of them are from cc apps last Aug/Sept, maybe 4 from trying to refi my car loan in July/Aug last year, 2-3 from credit card apps before that and maybe the other 3 from close to 2 years ago. I guess they would still show up if they aren't counting against my score?

Current cards are -

Barclay's - $3700. (CLI last month from $2k) 22.9% (3.9% special offer through Jan '14 - $2100.)

Target - $3000. (not even going to try for an increase) 22.9% (carrying a balance of about $2500)

Cap 1 - $2500. (increased from $1500. this week) 19.9% (rotated use, gets PIF before due date)

Merrick - $1000. (I've read it's difficult to get an increase) - 22.9 or 24.9% (rotated used, PIF before due date)

Orchard - $950. (tried today, hard pull so I'm going to hold off) - 14.9% (no bal)

Walmart - $700. (tried this week, denied. card gets used and is paid off. Waiting for letter) 22.9%? (no bal)

JCP - $200. (don't know if I should try after I got denied for a Walmart CLI) $26.9% (no bal)

I'm gradually paying my balances down by about $100. - $400. per month.

Barclays and Cap 1 are growing with time. I believe Cap 1 started at $500. in 2010. Went to $750., then $1500 and now $2500. Barclay's started at $1300. last Aug, reconed to $2k then the increase to $2500. I thought the GE cards would grow nicely but something is blocking me there.

The first thing that I see when I look at this list is, I need some cards with lower interest rates. I think I'm starting to see Primeville on the horizen. One or two low interest cards with $5k limits and maybe no fee balance transfers would probably work out really good. Plus I'd keep the above cards open which would really lower utilization. The earliest that I'll do anything is towards the end of Aug. Most of those inquiries will stop affecting my score by then.

What cards do you think I should look at if my scores stay in the 660-685 range? I'm hoping they will be 670-690 by then.

Re: Walmart TU Fico finally up!!!

masscredit — Thu, 16 May 2013 04:11:16 GMT

Up 7 to 661. Highest that I've had on there since getting the card in Aug '12. Progress, a few points at a time...

Re: Cap 1 CLI success story

masscredit — Wed, 15 May 2013 21:41:07 GMT

I received a call from the EO office of Orchard Bank. The woman that I spoke to confirmed that and said that the procedure might change after the merger is complete towards the end of the Summer. She along with the person at Capital One were both very nice.

I passed on going through with it. Most of my inquiries will fall off in August so I'd like any inquiries really count.

Re: Cap 1 CLI sucess story

masscredit — Wed, 15 May 2013 17:21:00 GMT

I called yesterday and asked to speak with the person that I talked to last August. Was told that she's no longer in that department. The woman was very nice and asked what she should do for me. I told her that was interested in having my account reviewed to see if it's eligible for a CLI. She asked some basic questions, how much I would like and if I would accept a lower amount if the first one wasn't possible. At the end she told me that I should receive a call in a few days. My account was at $750. last Summer then I requested $1500. in August and that was approved. Yesterday I requested $2500. I received a call later yesterday afternoon to tell me that was approved.

I asked about Orchard before I hung up. I wanted to see if I could get an increase on that limit also. She said that they don't handle that yet but would forward my info to someone that does and I should receive a call in a few days.

Re: No back door love from GE...

masscredit — Wed, 15 May 2013 16:11:35 GMT

That's what it said the last two times that they denied me and I had the card for over 4 months those times.

Re: No back door love from GE...

masscredit — Wed, 15 May 2013 15:09:48 GMT

I believe it's a softpull when you call in for an increase? I'll see what the letter says and go from there. Will probably mark my calendar to try again in 2 months.

I wonder if I'll have a better chance with JCP? It's only $200.00 now. Maybe I'd have a better chance of asking for $300. or $400.? I don't think I can even call that current limit a toy limit because I can't even by some toys with that!

Re: Who would have thought!

masscredit — Wed, 15 May 2013 04:27:10 GMT

theoldnocreditmaster wrote:
“Do whatever the hell you want”

I guess riding off into the sunset would cost you more than the bike did...

Re: Walmart TU scores???

masscredit — Wed, 15 May 2013 04:09:27 GMT

12:09am EST and no "Welcome to Walmart, here is your new TU score..."

Re: Kohls Aproval nice and easy lol

masscredit — Wed, 15 May 2013 00:59:31 GMT

Mine is the opposite. I got $3k when I was approved. That ended up being my highest limit until a few months ago. I don't know why they gave me a high limit but I'm not complaining!

Re: No back door love from GE...

masscredit — Tue, 14 May 2013 22:32:05 GMT

Negative things on my account are -

BK discharged 2/2010

5 Tax leins

Other than that, everything is paid on time (100%). My Target app was approved last Aug and I recieved a $3k limit. From what I've read here, that's kind of high for that card. I'm not even going to bother trying to increase that one.

I was going to ask about a CLI for JCP but I didn't bother after he said no for the Walmart card.

For Cap 1, I asked who I would talk to for an increase on Orchard account. The woman said she's forget my info to a person that can help me and I should get a call in a day or two.

I guess it's just hit or miss.

After trying for these increases, I'll just watch my scores then try for some prime cards after they crest 700.

Re: No back door love from GE...

masscredit — Tue, 14 May 2013 21:28:46 GMT

I believe it was after 3 months.

No back door love from GE...

masscredit — Tue, 14 May 2013 21:19:44 GMT

I called GE's backdoor number today. I tried to get a CLI from $700. to $1200. I've had the card for 8 months and received one auto CLI from $600.-$700. after a few months. I give the card use, pay more than the minimum and paid off the balance of $430. a few weeks ago. Went through the normal questions and was denied. They seem to love me less than my ex-wife!

But, I got a $1700. auto-CLI from Barclays a few weeks ago and called Cap 1 today and received a $1k increase. Don't know why it's so hard to get anything else from GE.

Re: National Mortgage Settlement

masscredit — Tue, 14 May 2013 14:38:28 GMT

I just heard about this on my local news last night so I came here and used Google to do some research. I guess the time to file has passed. It would have been nice if banks would have notified people who lost their homes. The site that I found is - http://www.nationalmortgagesettlement.com/

I might contact them anyway. The answer is definately no if you don't ask so I guess it won't hurt to try.

Re: Walmart TU scores???

masscredit — Tue, 14 May 2013 13:49:42 GMT

masscredit wrote:
I feel like a little kid that keeps looking downstairs to see if Santa came yet. Milk and cookies are still on the table so back to bed...

Mommy... why didn't Santa come last night???

Re: Walmart TU scores???

masscredit — Tue, 14 May 2013 05:55:58 GMT

I feel like a little kid that keeps looking downstairs to see if Santa came yet. Milk and cookies are still on the table so back to bed...

Re: Walmart TU scores???

masscredit — Tue, 14 May 2013 04:09:27 GMT

It's 12:09am EST. No score yet. Later today is a new day!