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Regular Contributor
Posts: 157
Registered: ‎06-05-2007
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UMB Blind dog

i was just approved after three days  any one have more then one card with umb?
Established Contributor
Posts: 851
Registered: ‎07-01-2008
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Re: UMB Blind dog

Congrats on the approval.

 

Regular Contributor
Posts: 120
Registered: ‎11-16-2007
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Re: UMB Blind dog


princeromeo wrote:
i was just approved after three days  any one have more then one card with umb?

I've read that some folks do. Seems like they had to space them out. I just got this one too, the one w/3 dogs on it. Nice bt offer, but I decided to pass because of todays climate. No need to call attention to oneself.  :smileywink:

Established Contributor
Posts: 790
Registered: ‎09-09-2008
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Re: UMB Blind dog


Logical wrote:
Nice bt offer, but I decided to pass because of todays climate. No need to call attention to oneself.  :smileywink:

What attention? The card does not report to the credit bureaus.

Regular Contributor
Posts: 120
Registered: ‎11-16-2007
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Re: UMB Blind dog


Ulan wrote:

Logical wrote:
Nice bt offer, but I decided to pass because of todays climate. No need to call attention to oneself.  :smileywink:

What attention? The card does not report to the credit bureaus.


I'm aware of that. I was talking about UMB. I've read too many cases of folks getting an invite for a bt, doing a bt, then getting aa. I'm laying low to protect what I have.

Established Contributor
Posts: 790
Registered: ‎09-09-2008
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Re: UMB Blind dog


Logical wrote:

Ulan wrote:

Logical wrote:
Nice bt offer, but I decided to pass because of todays climate. No need to call attention to oneself.  :smileywink:

What attention? The card does not report to the credit bureaus.


I'm aware of that. I was talking about UMB. I've read too many cases of folks getting an invite for a bt, doing a bt, then getting aa. I'm laying low to protect what I have.


Oh, I see. Perhaps, they are calmer if you have had the card for a while before you do a bt. If you can't even do a bt without aa then, it will somehow beat some of the purpose of this card.

Regular Contributor
Posts: 120
Registered: ‎11-16-2007
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Re: UMB Blind dog


Ulan wrote:

Oh, I see. Perhaps, they are calmer if you have had the card for a while before you do a bt. If you can't even do a bt without aa then, it will somehow beat some of the purpose of this card.


There may be no problems with doing it. Time will tell, we'll read the reports. I decided instead of bt to take advantage of the 0% apr. About the time it runs out I have some extra money scheduled to come in, so I'm doing a gradual bt. Works for me anyway.  :smileyhappy:

Established Contributor
Posts: 717
Registered: ‎03-05-2008
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Re: UMB Blind dog

What is UMB?  What is the benefit of getting the card if it doesnt report?

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


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Regular Contributor
Posts: 120
Registered: ‎11-16-2007
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Re: UMB Blind dog


PurpleHaze wrote:
What is UMB?  What is the benefit of getting the card if it doesnt report?

So if the fico monster doesn't know about it it can't be good?  :smileyvery-happy:    The most common reason mentioned is to hide a bt. I'm going to rack up a balance (0% apr) all hidden, not just from fico, but other card companies. Other cc's computers seeing me slowly rack up a balance may wonder.This way they can't see it. Also, for me, a new card does not appear on my report. I do not need that right now.

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