Dang it!

[Anonymous]

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SpecFile wrote:

Yes I have a tax lien from 2001 that's been paid and released.  That's it.

Message Edited by SpecFile on 09-05-2007 08:30 AM

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Don't think I know anyone else that is that clean. I have had a tax lien since 1996 from a bad business deal that I just got taken care of last year. Now I have to wait for seven (6 more) years for it to fall off. It's been there so long, I think I will miss it when it finally goes.

[Anonymous]

Hi Everyone,

Congrats on your card!  I felt the same way when I applied for my Chase card.  I got the 30 day notice, but received the card in two weeks with a $4200K CL.

But I can't get a credit line increase.  I have used the card and max out twice and paid in full twice.

No increase.

Nicole

[SpecFile]

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sleigh17 wrote:

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SpecFile wrote:

Yes I have a tax lien from 2001 that's been paid and released.  That's it.

Message Edited by SpecFile on 09-05-2007 08:30 AM

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Don't think I know anyone else that is that clean. I have had a tax lien since 1996 from a bad business deal that I just got taken care of last year. Now I have to wait for seven (6 more) years for it to fall off. It's been there so long, I think I will miss it when it finally goes.

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Well, we are in the same boat.  It took me 6 years to pay off my 2001 lien and it was PIF and released in Jan. of 2007.  So like you, I still get to have my little friend with me for the next 7 years as well. 

Not really worried about it though.  Atleast it shows released.  It won't stop me from buying a home or car so I don't mind if my little buddy tags along for the next 7. lol

[SpecFile]

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ragcajun wrote:

Hi Everyone,

Congrats on your card!  I felt the same way when I applied for my Chase card.  I got the 30 day notice, but received the card in two weeks with a $4200K CL.

But I can't get a credit line increase.  I have used the card and max out twice and paid in full twice.

No increase.

Nicole

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That stinks Nicole!  I don't get CLIs????  It's like there is so much red tape to go through.  My DW has a card from BofA that she got in 2001 with a 2k CL.  She has never asked for a CLI and that card has a 12,100 CL as of yesterday.  Can you believe that? 

[kiki2]

I am trying not to let my pessimistic side get the best of me but it has now been over a week since

I was approved for the Amex, WHERE IS IT?  Certainly not in the mailbox, I have checked there at least 3 times a day which is kind of senseless since the mail carrier only delivers once.  So in between mailbox checks I check my e-mail for a message from B.O.A., I honestly think they do this intentionally, JUST DECLINE ME ALREADY, PUT ME OUT OF MY MISERY!  I imagine an underpaid CSR sitting at their desk laughing and showing their buddies my app and saying "Can you believe this girl applied?"  "Let's string her out a little bit longer before we hit the "you are not worthy of us" button"

Seriously, I can easily see how someone could get carried away with credit applications.  When I received the dreaded 30 day review notice from B.O.A., I immediately went to HSBC and applied for a credit card and there it was......that ever so comforting response.....Congratulations, You have been approved!  Of course once I read the credit line they were offering I questioned myself for taking the inquiry hit ($300 HELLO!  What can I do with that?) 

So there it is, I am graying, wrinkling, and wearing down my carpet by the day (which by the way the $300 from HSBC will not be enough to pay for the replacement)  for what I ask?  An opportunity to pay at least 13% interest on an item I probably do not need.................., YES!, ............after all it is the American Dream.

[SpecFile]

You are about the funniest person I have seen online.  You will get it if you have already been approved.  You did receive an approval notification didn't you?

[Anonymous]

kiki you are hilarious!!!

Have you met the NWM? You both have strange senses of humor...lol

But ah yes, the credit dance.  Like me logging into Penfed about 8 times a day trying to see if I could see the aproved or denied status.  Trying to see if I could catch site of my new credit card amoungst my new saving/checkings/and loan account.  Ah the dance of the 'Hurry up and wait' credit response.

[kiki2]

Oh yea I got the INSTANT APPROVAL (you should see the smug look on my face now)!  But honestly what is the point?  I mean my carpet will be worn to the slab in another day or two!  I could easily trip over the scraggly mess and hit my head on the computer, and with my luck on the way down accidently hit the keyboard and inadvertantly apply for a Platinum Discover card or something and the last thing I will ever see is the....."You are not worthy message". 

Ok, maybe that is just a bit over the top, maybe it is just a simple case of my mail carrier seeking revenge for the christmas gift I never gave her.  Yes.....it all makes sense now......

[Anonymous]

Got a lot of shopping to do kiki?  LOL

[SpecFile]

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kiki2 wrote:

 I could easily trip over the scraggly mess and hit my head on the computer, and with my luck on the way down accidently hit the keyboard and inadvertantly apply for a Platinum Discover card or something and the last thing I will ever see is the....."You are not worthy message". 

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You need to be in Hollywood at a comedy club.  You're an absolute riot.  Actually laughed out loud.