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I received a mail application for a mastercard from Carnival Cruises issued by Barclays. I applied online and got one of those dreaded we will notify you in 10 days.
I decided to call the backdoor number and the analyst was great. She did question me about an account that looks like it's reporting twice but she then asked me if $2500 would be enough. I said I'd like more but please give me the best she could. Well she gave me $5000 !!!!!! Another good thing is I can balance transfer for 9 months 0 interest (although there is 3% or maximum $50 per transfer) This will help me pay down a card (Capital One that just raised my interest rate)
Alliant wouldn't give me a card 2 weeks ago without sending payroll info and I deposited a nice chunk of cash in a savings with them
My scores are anywhere from 640 to 670 last I checked a month ago.
I am trying hard to getover 700 and this will help a lot since my limit will go up and my percentage of usage of available credit will go down.
Congrats on a great result!
Sounds like you've made some great steps toward that 700+ already - keep it going!
@susanyaz wrote:I received a mail application for a mastercard from Carnival Cruises issued by Barclays. I applied online and got one of those dreaded we will notify you in 10 days.
I decided to call the backdoor number and the analyst was great. She did question me about an account that looks like it's reporting twice but she then asked me if $2500 would be enough. I said I'd like more but please give me the best she could. Well she gave me $5000 !!!!!! Another good thing is I can balance transfer for 9 months 0 interest (although there is 3% or maximum $50 per transfer) This will help me pay down a card (Capital One that just raised my interest rate)
Alliant wouldn't give me a card 2 weeks ago without sending payroll info and I deposited a nice chunk of cash in a savings with them
My scores are anywhere from 640 to 670 last I checked a month ago.
I am trying hard to getover 700 and this will help a lot since my limit will go up and my percentage of usage of available credit will go down.
Also, what is your report like? How is your utility, etc.? I'm curious how I may match up...
Hello haulingthescoreup,
Plz help me if you can, I seem to be in such a dilemma. My TU is 597 and eq is 565, I have a Care Credit card 1800cl with 600 available credit and Kay Jew 5500cl 2000 available. I am making 3 pymts a month to total 450(good or bad idea?) on the Care Credit, 250 a month on the Kay's with intention to roll over the 450 When I applied for Capital ! and Chase this is what I got,
~too many delinq past or present
~revolving account too high
~presence of coll or judge
as for the delinq's they are very old as in over 3 to 5 yrs. Revol.I'm trying to pay down and I have a medical judgment's working to pay these down, perhaps I need to do so before going 4ward. This is where I am but I want to haul it up with you. I did call and it was to no avail, Thanks for any advice you can give.
Mslady2u wrote:
Hello haulingthescoreup,
Plz help me if you can, I seem to be in such a dilemma. My TU is 597 and eq is 565, I have a Care Credit card 1800cl with 600 available credit and Kay Jew 5500cl 2000 available. I am making 3 pymts a month to total 450(good or bad idea?) on the Care Credit, 250 a month on the Kay's with intention to roll over the 450 When I applied for Capital ! and Chase this is what I got,
~too many delinq past or present
~revolving account too high
~presence of coll or judge
as for the delinq's they are very old as in over 3 to 5 yrs. Revol.I'm trying to pay down and I have a medical judgment's working to pay these down, perhaps I need to do so before going 4ward. This is where I am but I want to haul it up with you. I did call and it was to no avail, Thanks for any advice you can give.
Hey Haulingitup,
Thanks for the setting me in the right direction. My actual payment on the Care Credit is 600 monthly in 3 pymts, do you think this is a good or bad idea??? As well, should I run another up to date report and go from there or just continue where I am and keep it pushing??? Your time is valuable as well as your advice, thanks for spending the time and so effortlessly sharing it with me.Determined to make it happen.