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Senior Contributor
imducky
Posts: 3,432
Registered: ‎08-27-2007
0

Re: Finishing up my portfolio

cccu is an ex puller as well, fyi.
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Finishing up my portfolio

If I recall correctly- I saw a post to check my junk email, found the email from them there.

Printed and filled out the app, scanned a paystub and emailed it back to her. I followed up with a phone call to them the next day-

I have 7 EX inq's in the last year- so I completly understand-(2 from last week) they start droping from my scoring in June.



casinoannie97 wrote:
that's great Tim--I know you have a cccu and told me it took 2-1/2 weeks. Did you get their response by mail? I really want it so i can get rid of two high interest ccs. hsbc is one. I've been with them over 4 years and they will not give me cli or lower horrible rate.
I can't stand any more inqs from ex so i guess trying for an amex is out of the question????



Frequent Contributor
RGordon
Posts: 303
Registered: ‎09-07-2007
0

Re: Finishing up my portfolio



Timothy wrote:
Holy *&!@ Amex approved my Green - Unbelievable.

Always wanted an "Other" section on my Credit Report.


Congrats Timothy. You worked with me through my two amex apps and I tried to get you to get a green card then but I am glad that everything worked out for you. I love using my green and I use it ALL the time especially this time of year.
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Finishing up my portfolio

Thank you-
I am glad everything worked out for you (I hope your arm has recovered from the twisting)

I love the fact that this take the AF on my skymiles down to $30 too.



RGordon wrote:


Timothy wrote:
Holy *&!@ Amex approved my Green - Unbelievable.

Always wanted an "Other" section on my Credit Report.


Congrats Timothy. You worked with me through my two amex apps and I tried to get you to get a green card then but I am glad that everything worked out for you. I love using my green and I use it ALL the time especially this time of year.


Valued Contributor
casinoannie97
Posts: 1,989
Registered: ‎08-17-2007
0

Re: Finishing up my portfolio

I called them and they said everything is done by mail.  I hope this is not a bad sign.  It has been over a week.
Valued Contributor
casinoannie97
Posts: 1,989
Registered: ‎08-17-2007
0

Re: Finishing up my portfolio

just got e-mail from cccu. have to send back signed application. they approved 5000 (i asked for7000) but it's all good!!!!  Now I am happy.
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Finishing up my portfolio

congrats-
worth waiting for.
Valued Contributor
casinoannie97
Posts: 1,989
Registered: ‎08-17-2007
0

Re: Finishing up my portfolio

thanks tim.  now what do you think about closing out high interest accounts.  CCCU will give me 7 open and eight closed.  I hate HSBC and have low limit with terribly high interest.  I've been with them four years though.  Should i just sock drawer them?  If i close I will still be getting age, right?
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Finishing up my portfolio

My 2 HSBC accounts AF was not going to kick in until May -
So I was going to wait until then to close-
 
I spoke with household Bank- and these accounts are not going to do anything-ever.
I started looking at them as a sore thumb on my report and they were not doing anything to help my report- so I closed them.
 
SD them for a few months- wait for the dust to settle with your new account and close them- unless your AF is going to hit, then close sooner.

casinoannie97 wrote:
thanks tim.  now what do you think about closing out high interest accounts.  CCCU will give me 7 open and eight closed.  I hate HSBC and have low limit with terribly high interest.  I've been with them four years though.  Should i just sock drawer them?  If i close I will still be getting age, right?



Valued Contributor
casinoannie97
Posts: 1,989
Registered: ‎08-17-2007
0

Re: Finishing up my portfolio

[ Edited ]
i had closed orchard because of af but hsbc has no af just high high interest.  i will sock drawer for awhile.  THANKS!!!
I practically had to give up my first born for 500 cli and then socked me with the high interest and a hard inq.  They are absolutely the worst.
orchard at least gave cli's.


Message Edited by casinoannie97 on 12-29-2007 05:40 PM

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