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

Super Contributor

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

Happy Birthday, LS !!!!! Smiley Happy

 

 

Ron.

Message 21 of 38
Valued Contributor

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
12/2014 750+
3/2017 780+
5/2017 800+
Message 22 of 38
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 23 of 38
Established Contributor

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

Happy early birthday!!!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 24 of 38
New Contributor

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

Happy birthday!
Message 25 of 38
Valued Contributor

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
Message 26 of 38
Valued Contributor

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


LS2982 wrote:

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

 

Smiley Surprised


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!)

Take the FICO Fitness Challenge
Message 27 of 38
Moderator

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


MsLadyRover wrote:

LS2982 wrote:

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

 

Smiley Surprised


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? Smiley Wink

 

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 28 of 38
Valued Contributor

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


Revelate wrote:

MsLadyRover wrote:

LS2982 wrote:

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

 

Smiley Surprised


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? Smiley Wink

 

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 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 29 of 38
Senior Contributor

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

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


Take the FICO Fitness Challenge
Message 30 of 38