BearOSO Tracker

C1 secured auto CLI

BearOSO — Thu, 09 May 2013 01:02:51 GMT

6 months later received a CLI of $300.

After my first initial deposit of 500, i received a 651 CL. Then added two more deposits to reach a 1551 CL.

Now I'm at 1851.

Nice end-of-semester present.

Re: Does anyone really consider Cap1 a Prime Lender?

BearOSO — Sat, 13 Apr 2013 15:01:37 GMT

Good thing the word "prime" is subjective and capital one extends credit vicariously post-2008.

Just because capital one does not succumb to your standards does not mean that your definition should trump that of others. They've always been great with me and have yet to have a complaint against them. They get the job done and do it well, just like chase and Amex have done for me.

Re: Approved for Amex blue for 25k with 09 bk

BearOSO — Thu, 04 Apr 2013 00:26:49 GMT

Hey, I was wondering when astritaho1979 would make a comeback.

Re: Deleted

BearOSO — Tue, 02 Apr 2013 02:22:40 GMT

Welcome to Internet, get over it

Re: Dear Popups

BearOSO — Fri, 29 Mar 2013 14:46:39 GMT

Welcome to the Internet, ladies and gents

Re: USAA - will they use the same pull?

BearOSO — Sun, 24 Mar 2013 20:15:17 GMT

I once app'd and called in wanting to use the same INQ for a different card as I was traveling overseas and was hoping to get the MC chip and pin, but they would not budge to use the same INQ for the AMEX and use it for the MC. YMMV. COngrats on the approvals!

Re: CHASE CLI's with banking relationship???

BearOSO — Fri, 22 Mar 2013 11:38:43 GMT

I think it's definitely a "YMMV" situation.

I've had a checking/savings account for 8 years and 12-20k in checkings/savings and a few other products with them and my Freedoms limit reflected more of what was in my CR and/or my income than what is currently available in my accounts.

Re: Could beefing up my secured cc backfire?

BearOSO — Wed, 20 Mar 2013 12:38:40 GMT

I really wasn't keeping track of my numbers till September of last year. I do have a 30-day late reporting (i've had some unsuccessful goodwill letters go through so I am just waiting) and a CO from 2010.

The starting score on my signature is what I had when i finally pulled my scores from here.

I have a Cap1 secured CC as well with a 1551 CL (weird number because c1 added $151 to my initial $500 deposit to open the account). I opened that tradeline first not having enough confidence that I would be approved for any CC or any of my mailed offers so I did it just in case I would not have a CL to match my 5k limit secured CC.

Now I am waiting again, the CSP is in my sights

Re: Could beefing up my secured cc backfire?

BearOSO — Wed, 20 Mar 2013 02:10:17 GMT

Not at all. I was and still am a student and make ~30000 a year with my school benefits. My AAoA at the end of last year was 3 years till I went on an app spree.

There's no way for a secured card to unsecure with USAA so I app'd for their unsecured, rewards AMEX version and was instantly approved...I did it in feb of this year but I waited two years to get to that point, that's probably the "sucky" part. Although a lot of people have had successes in a shorter amount, I just decided to wait.

I'm glad I could help!!

Re: Could beefing up my secured cc backfire?

BearOSO — Wed, 20 Mar 2013 00:52:16 GMT

I had a 5,000 secured CC for two years w/ USAA. May have helped me acquiring a 5,500 CL on the unsecured version when I app'd and closed my secured CC.

I received a lot of preapproved offers from amex, chase and a few others towards the end of my 2 yr secured agreement.

Re: Zync now earns mr points instead of mre?

BearOSO — Wed, 20 Mar 2013 00:48:16 GMT

Rewards Plus Gold

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Rewards Plus Gold Card from American Express you will earn:

During your first year of Cardmembership, 1 additional point (for a total of 2 points) for airfare charged directly with passenger airlines (Charter flights and private jet flights are excluded);
After your first year of Cardmembership, 0.5 additional point (for a total of 1.5 points) for airfare charged directly with passenger airlines (Charter flights and private jet flights are excluded)

Question: I am a Gold card holder, is a "Rewards Plus Gold" the regular Gold card that I have or that anyone can apply for on the website? I know I currently get 2X points on the AMEX travel site, I was unsure if this will apply to me (us gold card holders).

I have checked up and down my statements and website account and nothing tells me I am a "rewards plus gold" card holder.

Should i be freaking out or am I missing something?

Re: Chase CLI Soft Pull!

BearOSO — Fri, 15 Mar 2013 18:32:52 GMT

aberrant wrote:
A little background, I applied and was accepted for a Chase Freedom card back in December of last year with an initial $5000 credit line. Today is close to the six month mark and I wanted to try for a credit limit increase. So I called up Chase using the backdoor number to the executive offices. I spoke with a woman named Elissa, she was very pleasant to deal with. I began giving her some background as to why I wanted the increase. I told her that I'm tired of the crappy Bank of America rewards and that I was recently approved for the AMEX platinum card. I mentioned that I would like to continue to make charges on my Freedom card but with the amount I spend a $5,000 limit wont award me a sufficient enough utilization and with the Platinum card I would like to see Chase offer me some competitve advantage to encourage me to charge more on my Freedom card than my Platinum. She alerted me that chase would need to verify my income, etc, etc. and that it was a hard pull. I mentioned to her that I had no problem verifying my income but a hard inquiry was out of the question. I reiterated the fact that I need more of an incentive to spend money with Chase over AMEX and she said that she can put in a request for a soft inquiry and will get back to me in the next day. She also asked how much of an increase I wanted. I told her I believe an 8k limit would offer me sufficient utilization on the card (a 3k increase). I got off the phone with her and waited. Sure enough I logged in this morning to my Chase account to see a nice 8k credit limit! Now I'm not sure if this was a unique situation or if the threat of another competitor but it's certainly worth it to defend why you want the increase and let them know a hard pull is unacceptable.

So I'm excited but I will also be watching my credit report over the next couple of weeks and months to make sure that she wasn't lying about the soft pull. If she was indeed going to do a hard pull I don't see why she would have had to wait a day for it to process... good luck to the rest of you with Chase! Ask for Elissa if you call the backdoor executive offices.

December...six months...huh?

Re: How does AMEX determine spending limit on NPSL cards?

BearOSO — Fri, 15 Mar 2013 00:03:51 GMT

enharu wrote:
Just curious, does experian report my total payment on each card each month? Or just my last payment for each card?

I have the same question. I am under the impression it is just your last payment for each card, now I am second-guessing...can someone clarify?

Re: Secured Capital One CLI

BearOSO — Sat, 09 Mar 2013 15:55:14 GMT

Looks like I need to email the EO. My oldest card is with them and hasn't seen a CLI in 5 years lol

Re: Secured Capital One CLI

BearOSO — Sat, 09 Mar 2013 15:26:25 GMT

I received a CLI the day I was approved. I deposited 500 and had a $651 CL. My assumption is that they gave me what they advertised as the 49 for 200 CL difference on top of my deposit. I must say, C1 is weird. But I've had no problems with them.

Re: You know you have been spending too long on myfico when....

BearOSO — Thu, 07 Mar 2013 19:04:36 GMT

Not sure who it is, but I got a good laugh and head-shaking by noticing on someones sig that they HOPE to own a CC one day and had amounted over 500 posts in this board already!

All I gotta say is: JEEZ.

But I do spend a lot of time heretoo.

Re: American Express - Push payment via Bank of America

BearOSO — Tue, 05 Mar 2013 21:09:01 GMT

If it is a new account they normally limit how many payments you make your first month or so.

Re: Is Discover too aggressive lately?

BearOSO — Sun, 03 Mar 2013 16:01:57 GMT

There is a significant change in payment behavior. I read an article last month which stated that Discover has less deliquency among its CC holders than other CCC over the past year. I think with people being more privvy to watch their debt or credit - and receving more of it - will edge up the deliqunecy factor for the next year as people will see more wiggle room (ex: CLI) and will push the envelope further.

Re: WOW Chase Freedom design is pretty sweet

BearOSO — Sun, 03 Mar 2013 05:22:44 GMT

tray wrote:
WoW I wish someone can show a pic of this card I must have an old chase freedom design because the card looks plain, maybe I should request a replacement card???

Edited - unfortunately we can't post pics of CCs that belong to you or someone else.

Re: WOW Chase Freedom design is pretty sweet

BearOSO — Sat, 02 Mar 2013 22:47:48 GMT

I wish I was capable of relishing the green tint the Freedom has...colorblind :smileysad: