I've been researching credit and everything surrounding it for years now. During my research I came across your threads plenty times. I recently joined the site and decided I'd post a little. A little CC background on me....
AMEX Green Card: NPSSL. Had a year.
AMEX Blue Cash Everyday: $4500. Just got instantly approved a few days ago. Well, the story is I mistakenly applied for the Blue, and called to ask if they could change it to the Cash, which is what I wanted. I was initially told I'd have to re-apply, so I did. My 2nd app was flagged and I was asked to call. I spoke with a credit guy and he stated (I already knew) I was asked to call due to 2 apps. I explained the situation, and he said to cancel the Blue and they'd process my Cash app. I later called customer service to cancel the Blue and the rep (very nice female) stated they could just transfer the Blue to a Cash! Umm, ok. So, there's that.
Discover IT: $5400. Had 2 years. I just upgraded it from the More a few days ago as well. While upgrading I asked for them to increase my limit, so they happily and easily tripled it for me. They had just auto-increased it $400 a few days before that, but still did that major increase.
Chase Freedom: $3000. Had a year.
Citi Thank You Card: $3500. Lol just got instantly approved a few minutes ago. My GF and I always eat at restaurants and go to movies, so I had the itch to get it after receiving another pre-approval letter. I've gotten tons of Diamond Preferred offers, but don't really need it.
Kay Jewelers: $8000. Had this about a month. The bastards told me in the store it would be a "soft pull", so I bit to get half off a pair of black diamond earrings for my GF. I checked my credit report and noticed the HP, and got ticked. They blamed it on a miscommunication with Kays. The store was an Ultra Diamonds, which was bought out by Kays, yet still had Ultra Diamonds employees...so they say they "thought" it was still a SP. My compensation after about 30 minutes on the phone was a $25 gift card............
Ashley's Furniture: $5000. Had this about a year.
Publix Credit Union: $1000. Had 2 years. One of my personal banks. They are VERY conservative. I never use the card, but just wanted it to strengthen our relationship.
I got most of these CCs after I bought my house a year ago. I began rebuilding my credit back in 2005. I had several non-elite CCs I recently closed out to make way for these I have now. They served their purpose-to help me in improving my credit. I'm in pretty good shape now. I've come a long way.
Feel Free to ask with any questions! Thanks!
