Credit Cards

[ocheosa]

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WhirledPeasPlease wrote:

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ocheosa wrote:

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WhirledPeasPlease wrote:

While I'm happy it wasn't a denial, 3k is a little small.  But hey, any help w/ UTIL is groovy.

Now, let's just hope I stay off the fecal charts of my other banking institutions. 

(Let the flogging begin!  lol)

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Congratulations!!! US Bank is wonderful!! Don't worry about the initial CL, it will GROW with you!

BTW, I hit the JCP luv button yesterday and got zero..... I now humbly swear to not go near a luv button, an automated line, a credit analyst for at least the next year.....GEEZ, just a little self control PLEASE!!! ..... 

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Thanks, I needed to hear that -- especially the 'grow' part! 

Sorry about JCP.  GEMB is baffling, to say the least.  Good luck w/ the self control!  You can do it!

I'm hoping to check myself back into to the 'center' first thing tomorrow! 

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LOL LOL LOL.....I know I can, I know I can, I know I can.....

FYI, US Bank has also tightened up a bit...spoke with a rep in underwriting beg of January, CLI's are now every 6 mos; still a soft inq (internal history).

[oracles]

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WhirledPeasPlease wrote:

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WhirledPeasPlease wrote:

For '09 I'm just planning on FUTR.  The ONLY thing I'd put on my wish list is a Citi product.  That's going to have to wait until my reports look decent again.

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Alrighty, I'm out.  (Gee, that was fast.)  For the past few days I've been staring at the USBank pre-approval I got in the mail.  After working on my 2009 budget and taking into consideration my goals, I realized I'm going to get killed in interest before I get this stuff paid off.  I also looked around to see who they pull in IN and it looks like TU -- my highest by 40 points.  Sure enough, they pulled TU.   (WHEW!)

So, I now have a BT card (5.99% until 2013 and 0% purchase APR for 12 months). 

"Thank you for choosing US BANK for your financial needs. Your U.S. Bank Visa® Platinum Card will be mailed to you via the U.S. Postal Service within the next 7-10 business days. Your card has a credit limit of $3,000.00. Your variable rate is Prime + 7.90%. The current APR is 12.40%. Your purchases can be signed by PEAS."

While I'm happy it wasn't a denial, 3k is a little small.  But hey, any help w/ UTIL is groovy.

Now, let's just hope I stay off the fecal charts of my other banking institutions. 

(Let the flogging begin!  lol)

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Hey Peas, which card did you get?

[WhirledPeasPlease]

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oracles wrote:

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WhirledPeasPlease wrote:

"Thank you for choosing US BANK for your financial needs. Your U.S. Bank Visa® Platinum Card will be mailed to you via the U.S. Postal Service within the next 7-10 business days. Your card has a credit limit of $3,000.00. Your variable rate is Prime + 7.90%. The current APR is 12.40%. Your purchases can be signed by PEAS."

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Hey Peas, which card did you get?

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Just the plain Jane Plat  -- no rewards.

[Math_Rocks]

I need to check in and NOW! Had a planned app spree last Summer when the BK hit 7 yrs and then an unplanned, stupid app spree before the holidays. Like so many others, now I have some accounts that really aren't helpful, way too many inquiries and have dropped one of my best factors, AAoA.

So, I'd like a soft bed, made-to-order breakfast and free wireless to keep up with my FICO forum buddies. But I will hold HTSU to her offer of tough love, maybe Suze-style HTSU smackdown every now and then!

Thanks in advance for a wonderful, inquiry-free 2009!

[jedijennifer]

No apps for me this year.  I was app free for almost two years until this past August.  I don't NEED anymore credit, it is just fun to be approved!  I want to get my utilization down to under 10% and my student loan paid off. 

Message Edited by jedijennifer on 01-12-2009 02:45 PM

[haulingthescoreup]

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jedijennifer wrote:

No apps for me this year.  I was app free for almost two years until this past August.  I don't NEED anymore credit, it is just fun to be approved!  I want to get my utilization down to under 10% and my student loan paid off. 

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It's always great to start putting more value on approving your own actions than on approvals from lenders!

[haulingthescoreup]

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WhirledPeasPlease wrote:

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WhirledPeasPlease wrote:

For '09 I'm just planning on FUTR.  The ONLY thing I'd put on my wish list is a Citi product.  That's going to have to wait until my reports look decent again.

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Alrighty, I'm out.  (Gee, that was fast.)  For the past few days I've been staring at the USBank pre-approval I got in the mail.  After working on my 2009 budget and taking into consideration my goals, I realized I'm going to get killed in interest before I get this stuff paid off.  I also looked around to see who they pull in IN and it looks like TU -- my highest by 40 points.  Sure enough, they pulled TU.   (WHEW!)

So, I now have a BT card (5.99% until 2013 and 0% purchase APR for 12 months).

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*sigh*

OK, everyone, I'm not going to carp, because this is the sort of app (and acceptance) that makes sense.

There is a role for new credit, when it's carefully thought out and makes financial sense. Credit is a tool, and you can't be afraid to use your tools, as long as you use them sensibly and with a reasonable amount of skill.

It's the people who are untrained in and scared of their brand-new chain saws, but use them anyway, who wind up spending Saturday afternoons in the ER!

[contractor]

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haulingthescoreup wrote:

It's the people who are untrained in and scared of their brand-new chain saws, but use them anyway, who wind up spending Saturday afternoons in the ER!

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As with Credit, it's the "juggling" that gets them every time. Great analogy, HTSU

[oracles]

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haulingthescoreup wrote:

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WhirledPeasPlease wrote:

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WhirledPeasPlease wrote:

For '09 I'm just planning on FUTR.  The ONLY thing I'd put on my wish list is a Citi product.  That's going to have to wait until my reports look decent again.

---

Alrighty, I'm out.  (Gee, that was fast.)  For the past few days I've been staring at the USBank pre-approval I got in the mail.  After working on my 2009 budget and taking into consideration my goals, I realized I'm going to get killed in interest before I get this stuff paid off.  I also looked around to see who they pull in IN and it looks like TU -- my highest by 40 points.  Sure enough, they pulled TU.   (WHEW!)

So, I now have a BT card (5.99% until 2013 and 0% purchase APR for 12 months).

---

*sigh*

OK, everyone, I'm not going to carp, because this is the sort of app (and acceptance) that makes sense.

There is a role for new credit, when it's carefully thought out and makes financial sense. Credit is a tool, and you can't be afraid to use your tools, as long as you use them sensibly and with a reasonable amount of skill.

It's the people who are untrained in and scared of their brand-new chain saws, but use them anyway, who wind up spending Saturday afternoons in the ER!

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Very well said HTSU

[WhirledPeasPlease]

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haulingthescoreup wrote:

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WhirledPeasPlease wrote:

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WhirledPeasPlease wrote:

For '09 I'm just planning on FUTR.  The ONLY thing I'd put on my wish list is a Citi product.  That's going to have to wait until my reports look decent again.

---

Alrighty, I'm out.  (Gee, that was fast.)  For the past few days I've been staring at the USBank pre-approval I got in the mail.  After working on my 2009 budget and taking into consideration my goals, I realized I'm going to get killed in interest before I get this stuff paid off.  I also looked around to see who they pull in IN and it looks like TU -- my highest by 40 points.  Sure enough, they pulled TU.   (WHEW!)

So, I now have a BT card (5.99% until 2013 and 0% purchase APR for 12 months).

---

*sigh*

OK, everyone, I'm not going to carp, because this is the sort of app (and acceptance) that makes sense.

There is a role for new credit, when it's carefully thought out and makes financial sense. Credit is a tool, and you can't be afraid to use your tools, as long as you use them sensibly and with a reasonable amount of skill.

It's the people who are untrained in and scared of their brand-new chain saws, but use them anyway, who wind up spending Saturday afternoons in the ER!

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Thanks Mom. 

(I was REALLY prepared to get a 'talkin to'!)

ETA:  Time to check back into the center.  Do I get my old room back?

Message Edited by WhirledPeasPlease on 01-12-2009 10:36 PM