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New forum: Credit Card App Approvals -- 10/25/13

Valued Contributor

Re: New forum: Credit Card App Approvals -- 10/25/13

Thanks for the heads up!

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 11 of 40
Established Member

Re: New forum: Credit Card App Approvals -- 10/25/13

Just a thought but aren't pre-approvals related directly with credit cards. I believe it's going to cause confusion. Either way these forums are great and very helpful.
I currently in the process of rebuilding my credit. Experian has me at 740 and I've had a WF $500 secured card for about 2 years. I just recently got Macy $300 - Walmart $200 - Bank of America $500 (secured) - Chase Freedom $1K - Kohls $300 - JCrew $300 - Barclaycard - 1K - Buckle $300 - Sears Mastercard $400 - BestBuy Mastercard $400 - Guess I am gardening since Dec 31, 2013 for at least 6 months. Im screwed up during the holidays and acquired 6 new credit cards. Its so difficult!
Message 12 of 40
Moderator Emerita

Re: New forum: Credit Card App Approvals -- 10/25/13

@surgemorales

Pre-approvals, pre-quals yes. Approvals and successful CLI's have a board all their own.
Message 13 of 40
Moderator

Re: New forum: Credit Card App Approvals -- 10/25/13

Message 14 of 40
Senior Contributor

Re: New forum: Credit Card App Approvals -- 10/25/13

Awesome Revelate, thanks!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 15 of 40
Valued Contributor

Re: New forum: Credit Card App Approvals -- 10/25/13

+1

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 16 of 40
Established Member

Re: New forum: Credit Card App Approvals -- 10/25/13

Awesome Smiley Happy

Amex PRG NPSL- Amex SPG $2k - Amex BCE $2.1k - Amex ED $2k - Chase Freedom $2k - Chase Slate $1.5k - Chase Disney Rewards $1.2k - Discover IT $200 - Bank of America Cash Rewards $3k - Barclaycard Arrival WMC $3k - Capital One QS1 $2000 - USSA Classic American Express $1k
Message 17 of 40
Senior Contributor

Re: New forum: Credit Card App Approvals -- 10/25/13

Nice idea - thanks Smiley Happy

Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............
Message 18 of 40
Moderator Emerita

Re: New forum: Credit Card App Approvals -- 10/25/13

Message 19 of 40
Established Contributor

Re: New forum: Credit Card App Approvals -- 10/25/13


09Lexie wrote:
Bump

This change will make this forum more bearable.  I stopped visiting as often due to the plethora of "I got approved" posts.  Nothing wrong with that; but I'm interested in credit card rewards and such.  I'm sure there are others that feel the same way.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Message 20 of 40