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Super Contributor
Posts: 5,999
Registered: ‎05-23-2009
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Re: It's my B-day tommorow.......

Happy Birthday, LS !!!!! :smileyhappy:

 

 

Ron.

Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: It's my B-day tommorow.......

I say, go for it.

 

At worse, you get HP/approved.

 

At best, you get a SP/denial.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,153
Registered: ‎09-16-2011
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Re: It's my B-day tommorow.......

Happy B-Day

 

if you want to app for something app for an AMEX product so a denial is only a SP 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Established Contributor
Posts: 802
Registered: ‎05-16-2012
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Re: It's my B-day tommorow.......

Happy early birthday!!!!

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
New Contributor
Posts: 59
Registered: ‎06-28-2012
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Re: It's my B-day tommorow.......

Happy birthday!
Valued Contributor
Posts: 1,142
Registered: ‎09-01-2011
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Re: It's my B-day tommorow.......


LS2982 wrote:

I've made it 4 months so far!!!


Congratulations and Best Wishes for a GREAT Birthday!



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: It's my B-day tommorow.......


LS2982 wrote:

Can I get a celebratory PRG app in???!?!?!???!?

 

:smileysurprised:


HAPPY BIRTHDAY LS!!!

If PRG stands for Premier Rewards Gold by AMEX, I say go for it.  If you're denied, it will be a SP and you lose nothing.  If you are approved it will be a HP but who cares....you will be APPROVED!  LOL!!

Gosh...I feel like such a bad influence!!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
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Re: It's my B-day tommorow.......


MsLadyRover wrote:

LS2982 wrote:

Can I get a celebratory PRG app in???!?!?!???!?

 

:smileysurprised:


HAPPY BIRTHDAY LS!!!

If PRG stands for Premier Rewards Gold by AMEX, I say go for it.  If you're denied, it will be a SP and you lose nothing.  If you are approved it will be a HP but who cares....you will be APPROVED!  LOL!!

Gosh...I feel like such a bad influence!!


$150 or 195 AF or something akin to that?   Also poor use of backdating, which is to say none I think in LS's case? :smileywink:

 

Amex reward structure works such that you can link a Zync against a Gold easily enough at any point in the future and get all your MRE -> MR AFAIK (props to Open123 for originally preaching that here).  As a result, if you don't *need* the MR points right now, keep the money in your pocket and apply in January or whatever anyway next year.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 1,275
Registered: ‎09-22-2009
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Re: It's my B-day tommorow.......


Revelate wrote:

MsLadyRover wrote:

LS2982 wrote:

Can I get a celebratory PRG app in???!?!?!???!?

 

:smileysurprised:


HAPPY BIRTHDAY LS!!!

If PRG stands for Premier Rewards Gold by AMEX, I say go for it.  If you're denied, it will be a SP and you lose nothing.  If you are approved it will be a HP but who cares....you will be APPROVED!  LOL!!

Gosh...I feel like such a bad influence!!


$150 or 195 AF or something akin to that?   Also poor use of backdating, which is to say none I think in LS's case? :smileywink:

 

Amex reward structure works such that you can link a Zync against a Gold easily enough at any point in the future and get all your MRE -> MR AFAIK (props to Open123 for originally preaching that here).  As a result, if you don't *need* the MR points right now, keep the money in your pocket and apply in January or whatever anyway next year.

 


Thanks for pointing that out Revelate.  I wish more folks were supportive of LS's app abstinence until he can maximize what he has already earned.  I can't believe that people are telling him to go for it when it makes NO SENSE whatsoever.  

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
EQ FICO - Bankcard Enhanced 8 - 885 - 1/24/15
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: It's my B-day tommorow.......

[ Edited ]

I support his abstinence but have pretty much given up on telling people not to app, LOL!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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