jd5189 Tracker

Re: Chase Freedom 2013 Category

jd5189 — Thu, 29 Nov 2012 00:43:25 GMT

Are presriptions ( from the pharmacy) regognized in the 5% cashback with drugstores?

Re: Inconvenienced by NFCU! Is this standard policy?

jd5189 — Tue, 20 Nov 2012 18:48:29 GMT

variableResistor wrote:
Would they accept the ceck if endorsed by both parties and left in the nighttime depository?

That is how we get around it LOL

Re: Approved for Amex green and premier gold, any reason to keep both?

jd5189 — Wed, 14 Nov 2012 16:26:18 GMT

Repo-ed wrote:
When I hit 1 year w/ my Zync NPSL, I'll be apping for a MR points offer PRG!

Go with the Gold!

Repo-ed, as a heads up, currently AMEX has restrictions on application bonuses for charge cards if you already have a charge card, You would need to cancel your charge card for 90 days and app after that to receive the bonus. Cancelling your current card w/o another MR's card in your line up (such as the plain vanilla blue) will forfeit all accrued MRE points.

Re: Is it true Amex Cardholders...

jd5189 — Tue, 13 Nov 2012 20:40:10 GMT

Some have had experience where it does not matter. Others who have gotten the card and requested 3x CLI and did not spend much have gotten rejected. I personally use Amex as my main card (originally my charge cards) but moved my spend on them over to the BCE to show activity. Typically I put about 1.5k per month through them. Now I use both charge and credit from them just to mix things up a bit.

Re: Is it true Amex Cardholders...

jd5189 — Tue, 13 Nov 2012 20:15:03 GMT

Just to give you an idea, I was at 7,500 and requested the full 3x CLI. Amex countered at 19.2k. So I got about a 2.5x CLI from them.

Re: AUTO CLI!!!!

jd5189 — Mon, 12 Nov 2012 18:26:35 GMT

from whta i have read on here, Chase does not look at store cards when factoring a CL.

FIRST pre-approved offer EVER!

jd5189 — Sun, 11 Nov 2012 03:01:13 GMT

I don't know - kind of an exciting moment for me when I got my mail and noticed my first ever pre-approval letter. It was for the Citi Simplicity card. I was interested in a Citi card because you can often get concert/events tix pre-sales and have a chance to get better seats.............. but I think I've done enough damage the past few months and will ignore it.... but it was still nice to get! :smileyhappy:

Re: PSECU Combo Visa/PSL / Reporting

jd5189 — Sat, 10 Nov 2012 03:52:06 GMT

visorboy1974 wrote:
2 separate TL's but take an advance right away from the PSL. If you don't it'll report the open date as the first time you do.

So it will open again if you don't use it right away? It shows open now? I never actually plan to use the PSL it was really just something I did bc I heard it was a good idea haha

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

jd5189 — Sat, 10 Nov 2012 03:50:09 GMT

Yeah I'm not sure the issue. A quick call to AMEX might enlighten the situation.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

jd5189 — Sat, 10 Nov 2012 03:05:43 GMT

Has the AMEX reported on your reports yet?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

jd5189 — Sat, 10 Nov 2012 03:01:27 GMT

Are you an AU with the gold card?

If not, were you logged in/asked to login when you applied?

Re: Approved for PR Gold after having ZYNC for 3 months! But help me with something...

jd5189 — Sat, 10 Nov 2012 02:59:08 GMT

No you do not need another ID. Wait for the card to come in and activate it under your current accout.

The MRE's will convert automatically within about 24 hours of activation of the new card. Congrats

Re: PSECU Combo Visa/PSL / Reporting

jd5189 — Sat, 10 Nov 2012 02:57:47 GMT

Yep, it reports as two separate on mine as well.

Re: AMEX Revolver

jd5189 — Fri, 09 Nov 2012 20:08:39 GMT

LesWH wrote:
jd5189 wrote:
It makes getting declined less of a hit on your CR.

Building your payment history with AMEX will lower your risk with them. But, it is not necessary depending on your history.
What do you mean by that? Do they not do a hard pull if you already have a card?

Once you have a card, applications thereafter are softpull declines. They only hard pull if you are approved for the card you app'd for.

Re: AMEX Revolver

jd5189 — Fri, 09 Nov 2012 20:01:00 GMT

It makes getting declined less of a hit on your CR.

Building your payment history with AMEX will lower your risk with them. But, it is not necessary depending on your history.

Re: should/can I recon a declined CLI?

jd5189 — Fri, 09 Nov 2012 19:57:43 GMT

Chase declined the amount I asked for on my CLI,. I reconned it and got the full amt I asked for. I was at 1k and asked for a 4k CLI, they only gave me $300. I called and reconned it. I focused on the fact the card was useless in the reward categories they were offerring and was my lowest limit. It made it difficult to use if I was almost always maxing it out. I had to answer a few questions and she came back and approved the full CLI I requested.

Sometimes the computer models will get hung up on certain information that can be easily overlooked. In my case, it was my student loans that the computers could not get past.

Re: Had to come to a realization tonight.

jd5189 — Fri, 09 Nov 2012 18:23:02 GMT

LS2982 wrote:
I'm spending way too much money for what I bring in. I actually feel humbled. I remember some oddball poster saying negative things about me here and what was said was not far off from the truth.

I have to settle down and spend what I can afford. My CC debt got up to over 10k.

I have to thank my lucky stars for PSECU, they have never let me down. I was able to get a personal loan to clear half of my CC debt and thankfully the rest is on a 0% card I can make big payments on monthly.

I have this forum to thank, because I realized I grew my credit garden way too fast and got irresponsible with it. This is a lesson learned.

Thank you everyone! :smileyhappy:

(And yes, I had to take a HP on EX but this is something that had to happen to get things straight. My butt will be parked in the garden for 2 years, all of my credit aspirations have been reached and they need to age!)

LS,

It's good that you have caught yourself before things got entirely out of control. Time to get out the excel spreadsheet, make yourself a strict budget, and get back on track! It's possible and I know you can do it! Keep your head up because you didn't do all this work improving your credit for nothing!

Re: Amex BCE/BCP Cash Back Confusing

jd5189 — Fri, 09 Nov 2012 18:20:35 GMT

Once in a while I do an audit on mine and everything has always seemed to check out okay - I check to make sure the right purchases are getting their multipliers and everything. Although, I know some people have had discrepancies when the mall was open and you got 5x to 10x on purchases that they were not getting the multiplied points.

Re: What is the lowest FICO score required for American Has

jd5189 — Fri, 09 Nov 2012 15:49:47 GMT

I don't know what my score was when they approved the Zync 2 years ago because they don't give the score for a charge card approval. But, I was approved for the BCE with a 687 Fico EX score. I was probably around 660-670 at the time I got the Zync.

Re: November PSECU EX FICO Scores up

jd5189 — Fri, 09 Nov 2012 15:32:46 GMT

Dropped 10 pts from 717 so down to 707.... probably for the inq's from Chase for the CLI I tried to get without the HP but ended up getting HP'd anyway. It was worth it though and the scores should jump back up as I garden now.