Re: Feel like a dummy. They really put it in persp... - Page 2 - myFICO® Forums

nursepower · ‎07-31-2013

manwoot how do you get the list of cards down there?

09Lexie · ‎07-31-2013

Welcome to the forum! Chase is a stickler on util.

To get the cc's in your siggy

http://ficoforums.myfico.com/t5/SmorgasBoard/Profile-tweaks/td-p/1864003

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CreditScholar · ‎07-31-2013

@manwoot wrote:
That's the funny/annoying thing about credit. You have to get it when you don't need it, because when you do need it, you can't get it.

This is called planning ahead.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

migliogiorni · ‎08-01-2013

I agree.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k

ChesterPDexter · ‎08-01-2013

Don't feel bad. All credit analysts are sticklers, but the ones at Chase really go over your report with a fine-toothed comb, and even ask you questions about your finances in general. Then they give their opinion, and they don't try to be nice.

It's nothing personal, it's only business. Don't let them make you feel bad. They're just doing their job, and it's all just numbers.

Someday when you're in better shape they'll give you credit, no questions asked. They put everyone under this kind of scrutiny, when you talk to an analyst, though. It's not designed to make you feel bad, so don't let it!

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.

ltspongebob · ‎08-01-2013

I agree that you have to not need it to get it, but that seems counter intuitive from a business sense. When I had debt trouble (High Util) CC companies wouldn't give me a chance Now that I have almost no debt, they're showering me with offers and bonus points galore. They are having to spend a lot of money to get my business that they could have had for free just a year ago...

But then again everything in the CC world is bizzaro. I'm now considered a "deadbeat?"... crazy!