@myjourney wrote:
@Shogun wrote:
@azguy13 wrote:Woohoo... $15 Hundo lol
Lol... figured you come dragging in here.
I was just thinking, why didn't they offer a better card?
ROFLOL
Shogun meet our newest ERT agent
Yes,, I saw that... but since he's my adopted child, I don't sweat him. LOL!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Shogun wrote:
azguy13 wrote:
Woohoo... $15 Hundo lol
Lol... figured you come dragging in here.
I was just thinking, why didn't they offer a better card?
I just woke up and thought I would check the forum real fast before shwoering and heading to my 10am meeting. Should be another quick one though. That way I can come back and surf the forum for another 12 hours, lol.
Gotta love waiting on the new fiscal year to get the equipment to start workig again, lol. Luckily, I am still getting paid my salary to talk to you fine folks 
@Shogun wrote:
@myjourney wrote:
@Shogun wrote:
@azguy13 wrote:Woohoo... $15 Hundo lol
Lol... figured you come dragging in here.
I was just thinking, why didn't they offer a better card?
ROFLOL
Shogun meet our newest ERT agent
Yes,, I saw that... but since he's my adopted child, I don't sweat him. LOL!
@azguy13 wrote:@Shogun wrote:
@azguy13 wrote:
Woohoo... $15 Hundo lol
Lol... figured you come dragging in here.
I was just thinking, why didn't they offer a better card?
I just woke up and thought I would check the forum real fast before shwoering and heading to my 10am meeting. Should be another quick one though. That way I can come back and surf the forum for another 12 hours, lol.
Gotta love waiting on the new fiscal year to get the equipment to start workig again, lol. Luckily, I am still getting paid my salary to talk to you fine folks
I'm getting paid too, burning leave on my days off before the fiscal year starts. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Not critical of them at all, but they can see my CR when they pulled my CR for a PRM. Why would they offer me their rebuilding card when they do have better ones. If someone has a card with a CL of $36K, you wouldn't waste your time in sending one for $1500 I was expecting them during my rebuild, and probably would have jumped on it then.
Maybe their direct mail department is not all that smart. Or... maybe they're so smart that they already know that people who can be approved for premium products but wait for pre-approved offers tend not to use it actively but rather use it to pad their utilization.
But someone with a 800 FICO who takes a $1500 CL offer? You know that guy's in need. And it's a small enough risk even if he fits a dangerous profile. Hmm...?? I dunno, just rambling. Don't mind me. The simple explanation is that their direct marketing department is dumb.
@watch44 wrote:
@Shogun wrote:Not critical of them at all, but they can see my CR when they pulled my CR for a PRM. Why would they offer me their rebuilding card when they do have better ones. If someone has a card with a CL of $36K, you wouldn't waste your time in sending one for $1500 I was expecting them during my rebuild, and probably would have jumped on it then.
Maybe their direct mail department is not all that smart. Or... maybe they're so smart that they already know that people who can be approved for premium products but wait for pre-approved offers tend not to use it actively but rather use it to pad their utilization.
But someone with a 800 FICO who takes a $1500 CL offer? You know that guy's in need. And it's a small enough risk even if he fits a dangerous profile. Hmm...?? I dunno, just rambling. Don't mind me.
Very well put! And I wouldn't put Cap1 down, I've never had one of their products so I wouldn't be able to comment on them. I do know that they have a higher tier card, but maybe they are just as you have said. Anyway, I have more than enough already to get me into trouble. I'm in full on garden mode with no intentions of changing that. And yes,,, it does feel good to get offers, any offers.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I just talked to Cap1 and they told me to tell you they accidently left two zeroes off the end of that number... So I think you're good to go..imagine what could be in you're wallet...
Starting Score: TU 595 EX 600 EQ 585
@JonStur wrote:I just talked to Cap1 and they told me to tell you they accidently left two zeroes off the end of that number... So I think you're good to go..imagine what could be in you're wallet...
LOL!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.