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Established Contributor
Posts: 792
Registered: ‎08-30-2011
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Re: I did a bad thing


NJTurnpike wrote:

I'm making my way over there to the garden, just a quick detour through Alliant CU for a low APR visa and then straight on to tend the vegetables.


What APR did they give you or did you apply for?

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
Posts: 662
Registered: ‎02-20-2013
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Re: I did a bad thing

I got 20.99% on the Sallie Mae card. I'm actually calling right now to recon.

 

will update in a few minutes.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Established Contributor
Posts: 662
Registered: ‎02-20-2013
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Re: I did a bad thing

[ Edited ]

Got a young sounding guy who really sounded disinterested. Had his mind made up 3 seconds into looking into my report.

 

I guess Barclays is like Chase, you really have to get the right analyst.

 

No dice. not enough history on my newer higher limit cards. blah...ohh well. this will be my gas card going forward.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: I did a bad thing

Sounds like they are telling you to .....REPORT TO THE GARDEN!

🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨
New Contributor
Posts: 121
Registered: ‎02-26-2013
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Re: I did a bad thing

[ Edited ]

Obtaining the Sallie Mae Mastercard is well worth falling out of the garden, at least.

 

Congrats!! Now pick up that bag of cow dung and get back to fertilizing.

TU: 730 (Lender Pull) ; EQ: 738 (MyFico)
Age:21
Barclay's Sallie Mae 5% Mastercard $1k(4/2013)- My main beach
Chase Freedom $3k (3/2013) - My side beach
Amex BCE $6k (3/2013) - When I feel like a boss
Crapital One Platinum $750 (2/2010) - When I feel like a n00b
Valued Contributor
Posts: 1,389
Registered: ‎01-14-2009
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Re: I did a bad thing

Congrats! Are you also considering applying for the Coastal FCU Big Ticket Card? :smileywink:

 

http://ficoforums.myfico.com/t5/Credit-Cards/Coastal-Big-Ticket-Card/m-p/2063731

 

Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: I did a bad thing

Amazon store card works just as nicely

DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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Re: I did a bad thing

Congrats on the new card!!!!!! My hands are itching so bad. I know I will get approved for Amex but applying a for a mortgage in the next 3 months.....I soaked my hands in Ghost Chile hotsauce!!!! It works from stopping me to bite my nails:smileylol:

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: I did a bad thing

Congrats. Now to the garden you go.

Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: I did a bad thing

[ Edited ]

Sometimes you just need to step back and consider whether you REALLY need the card or just want some "approval gratification".

 

A few months ago, I  went on an approval gratification spree which cost me my ability to get the Chase cards I really would put to use. It also kept me from getting an instant approval on USB Cash+ and a couple others. Every card I aim for now has a purpose and reason. My wallet and sock drawer have found religion. :smileylol:

 

Always first consider your long term strategy with credit. If you're getting a mortgage within the next year, stay the hell away from this forum.

If your'e building or rebuilding, try to get a "credit-wise/credit-healthy" family member or trusted friend to add you as an AU to grow your report, do not ask for or accept the actual card.

And most importantly, always always always stay away from CreditOne, Matrix, and FPB. Merrick is ok.

 

For those with 10+ years AAoA, very established relationships with Amex/Chase/NFCU, moderate to high income, and who churn sign up bonuses every 6 months, you are gods. We're not worthy. :smileytongue:


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
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