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since
01-08-2010
05-28-2017
joestay
Frequent Contributor
386
Posts
4
Kudos
05-13-2017
07:44 PM
1 Kudo
I'm glad I saw this thread because my AF was about to be charge tomorrow. No more AF for me!!!!
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05-13-2017
03:50 PM
2 Kudos
Thank you. Pull the trigger on this. Now I have Quicksilver. Is it a Visa Signature card because when I click on card benefit, I see visa signature.
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05-13-2017
03:16 PM
Here is my offer. Some questions. Will there be any hard pull of my credit report and what will happen to the rewards that I currently have with my platinum card? Also, should I take the upgrade offer?
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09-12-2016
09:49 PM
Thanks. I perfer to have it reported as closed for years since AMEX was my 2nd longest account. It does help with my average age of account.
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09-12-2016
04:56 PM
I just checked my discover's scorecard for my Exp Fico and it say's I have one more account than what I am supposed to have. Is anyone having AMEX reported as closed and CITI reporting as opened at the same time?
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04-04-2016
04:05 PM
It's just those two cards and nothing else now.
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04-03-2016
03:40 PM
My dad has a discover card and it has many more years then my oldest line of credit, which is 8 years. It has been paid on time as agreed and the utliization is always less then 5%. My score is in the low 800 already and I have around 2-3% utlitization. I only have two credit cards. If I become an authorized user, will it boost my score? Will it be counted as a new account on my credit report? Can a potential near future lender see when that account started on my report? Will I be able to have my own log in account for discover card website so that I can get the free fico score too? Will I get a hard pull? Thanks
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02-06-2016
10:09 PM
Thanks for all the info. I did the search and was reading up on it. I do have an auto loan that was paid off and in good standing about 4-5 years ago. Now, I have no open installment loan. My current FICO are between 780 to 800. I was just wondering if I do what was suggested, will it improve my score some more. I will be looking for a mortgage loan in the next month or two and was thinking if I need an opened installment loan reporting since I only have 2 open trade line on my report right now.
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02-06-2016
09:24 PM
Thanks elim, When you say pay most of it off, do you mean to just pay like 95% of it off within the first month and then let it stay open for as long as the term is?
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02-06-2016
09:12 PM
I was thinking about taking our a small loan of $500 with a term of 10 months, but paying it all within a month or two. I really don't need the loan but was wondering what doing what i was thinking will do to my credit score. Will it improve the score right away? I have no installment loans, just credit cards.
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02-05-2016
09:07 PM
Here's a quote from the CFO of costco today: "The original contract with Amex ends March 31 this year but “our plan is to extend that” by a few months until the Citigroup deal kicks in"
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07-03-2014
09:34 PM
Just did my cli request online and my cl is now $4k. Pretty happy about that.
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06-14-2014
04:23 PM
I requested a cli on 1/1/14. Am I eligible now for another request for cli?
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04-19-2014
09:25 PM
Thanks for the responses. I won't consider WF than. Good to know about WF and BOA high percent of not closing.
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04-11-2014
11:01 AM
I was checking out the wells fargo site and this came up as an option: 30 year fixed rate loan with a HELOC. So, instead of all the money coming from a 30 year fixed rate mortgage loan, it's divided into two category, the second being a HELOC. Can someone explain this to me and how it works. It says the HELOC has a draw period of 10 years and 1 month. The HELOC has a variable rate. Currently, it shows up as 4% and the 30 year rate as 4.125%. Would this be better option than a straight 30 year fixed mortgage loan? What's the advantage and disadvantage? The HELOC was for $80k while the 30 year fixed is $260k. Does this mean if I pay off the HELOC first, my mortgage for the rest of the 30 year will be lower? Can I do that?
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01-19-2014
04:14 PM
Just checked my FICO from Cap1. I'm in the 790s from 12/30 pull of eq.
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01-18-2014
04:01 PM
@Anonymous wrote: @myjourney wrote: @Anonymous wrote: Do you mind if I add to your thread? If so I'll delete my message. I currently have the Capital One Platinum MasterCard but I'm intersted in the Quicksilver card for the 1.5% cashback. I just discovered that on my Platinum account I have the offer on there to simply convert that card to the Quicksilver. However, I would not be able to get the $100 sign up bonus in doing so instead of applying from scratch. Which would be the best way to go? Have my current Platinum card converted or apply for a completely new card? Anyone have any thoughts on this one? Do the PC and forget about the $100 for another CAP1 card unless it's worth 3 HP's to you Very good point, I'll go for the upgrade then. Thanks to you, and all else. Sorry for the threadjacking though! It's all good. Thanks to all who replied. Okay. I made a mistake. I'm actually getting 2 miles per dollar now instead of the 1 point/dollar that I mentioned earlier but without the 5points/dollar on speical category. If I do wait to get 20,000 miles, I can exchange that in for a $200 gift card, which comes out to 2% back, but this only applies at the 20,000 miles mark. Otherwese, it's 17,500 miles for $100 gift card. Is it worth it to PC to quicksilver for the 1.5% cashback? Or is there a better card than this?
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01-18-2014
11:39 AM
I have a cap1 reward card and the term of the reward has changed a couple of month ago. It use to be earn 1 points per dollar spent with 5 points/dollar for gas and drugstore purchase. Now it's 1 point/dollar only with no special category. If I PC from this card to the quicksilver card with 1.5% cash back, what would happen to all my points i have? Also, is it a soft pull?
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01-03-2014
10:05 PM
Thanks. Just got my increase.
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01-03-2014
09:53 PM
Just need to verify. AMEX CLI is still soft pull right?
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01-01-2014
10:01 AM
Now, will it cause a hard inquiry to show on your report if you do this? I would like to do some backdating also but don't want that hard inquiry.
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01-01-2014
09:58 AM
Success!!! I got my Capital One card back in 2008. I've been stuck at $750 CL since 2009. I logged in to my account today and saw the request page and decided to try it. They give me $500 CLI. Better than nothing.
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02-21-2013
06:19 PM
Thanks Quips, I think I'll follow your advice with opening the roth without the option trading for now.
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02-20-2013
06:55 PM
Hi. Has anyone opened a sharebuilder's account recently and if so, was it a hard or soft pull on credit report? Please specify what kind of account you open because i am thinking about opening a roth ira account with option trading. I asked them but I don't really trust what they say. Also, will a new account appear on the report? I'm still looking for a house and don't want to get denied because of new account.
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01-06-2013
05:35 PM
Hi, I have my down payment, closing costs, and 1 year of reserves in one bank account. The money has been seasoned. I also have other accounts and assets, such as IRA, but I don't want to list this on the application. Is it required that I have to list these assets? I'm not going to use any money from my other accounts or assets to use for my mortgage, only the one account that I want to list.
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03-25-2012
10:10 AM
I recieved the disclosure from my lender after the preapproval. Do I return the disclosure, singed and everthing, now or after I find a property?
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