The Sleigh Center

[Anonymous]

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dnm45227 wrote:

just out of curiosity are approvals easier to get at diff seasons, netpanthers ref to dec got me thinking.

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Issuers are a little stingier around the holidays.  Afraid you'll get in over your head.

[Anonymous]

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Brammy wrote:

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dnm45227 wrote:

just out of curiosity are approvals easier to get at diff seasons, netpanthers ref to dec got me thinking.

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Issuers are a little stingier around the holidays.  Afraid you'll get in over your head.

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allright people you heard brammy, the holiday countdown window has begun!

[Anonymous]

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dnm45227 wrote:

just out of curiosity are approvals easier to get at diff seasons, netpanthers ref to dec got me thinking.

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This was a long time ago- 10 years maybe- but back then yes, approvals for in store cards like JCP were given a little bit of lienency. Could'nt guarentee high CL's- but easier approvals.

Again this was 10 years ago.

Reason I said Dec is it will be the end of the quarter, and I am expecting a GW for some lates to have reported to the bureaus by then.

[Anonymous]

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netpanther wrote:

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dnm45227 wrote:

just out of curiosity are approvals easier to get at diff seasons, netpanthers ref to dec got me thinking.

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This was a long time ago- 10 years maybe- but back then yes, approvals for in store cards like JCP were given a little bit of lienency. Could'nt guarentee high CL's- but easier approvals.

Again this was 10 years ago.

Reason I said Dec is it will be the end of the quarter, and I am expecting a GW for some lates to have reported to the bureaus by then.

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Not quite that long ago.  I know just four years ago we would turn on holiday season processing around mid November til after the new year. Meaning the score cutoff for all cards were a little higher.

[Anonymous]

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Brammy wrote:

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netpanther wrote:

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dnm45227 wrote:

just out of curiosity are approvals easier to get at diff seasons, netpanthers ref to dec got me thinking.

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This was a long time ago- 10 years maybe- but back then yes, approvals for in store cards like JCP were given a little bit of lienency. Could'nt guarentee high CL's- but easier approvals.

Again this was 10 years ago.

Reason I said Dec is it will be the end of the quarter, and I am expecting a GW for some lates to have reported to the bureaus by then.

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Not quite that long ago.  I know just four years ago we would turn on holiday season processing around mid November til after the new year. Meaning the score cutoff for all cards were a little higher.

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That's very good to know. Thanks Brammy!

[SpecFile]

Long day need a shot of something!

My pager went off, said something about an emergency at the Sleigh Center.  Give me a sec. to settle in for the night and start the questioning!

The addict is in!

[SpecFile]

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sleigh17 wrote:

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You need to hook me up SpecFile, I couldn't help myself today. Tried for a 0% BT and got a 7-10 day message. Called them on phone and asked if that was polite way to say no and was told it only meant that a person would be physically looking at my app and I could call after 9:00am tomorrow to find out if I was approved. If they pulled EX, I am dead anyway, so you might as well put me on the morphine drip. Oh wait, I am allergic to that stuff. It will kill me! We will have to find a reasonable substitute. What to do? What to do?

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Who with???  Gently turns the current up on the voltage meter....

[SpecFile]

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dnm45227 wrote:

sleigh. say it ain't so. if it works, you're a fico genius, if not you still have us. good luck!

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Don't encourage him dnm... remember he's sick!

[SpecFile]

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Brammy wrote:

Is the sleigh center for all credit perversons or just the app addict.  I was so peeved with Dillards that I canceled my card. GEMB reported my Wally World card as closed at consumers request.  Today, just cause the devil made me do it, I went to Wally World and used my Target Visa....lol

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I just received the funding to add on a new wing to The Sleigh Center.  West wing will help app. addicts while the new east wing will be for the real perverse.  Hush Hush stuff.

[SpecFile]

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Brammy wrote:

You mean things like mooning the cashier the next time she asks for ID with my Visa? Using my Target card in Wally World felt really weird like I was doing somethng wrong....lol

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You'll be mooning more than cashiers with the new patient gown that I had ordered for you.