Reply
Regular Contributor
princeromeo
Posts: 156
Registered: ‎06-05-2007
0

UMB Blind dog

i was just approved after three days  any one have more then one card with umb?
Established Contributor
cartercorp
Posts: 851
Registered: ‎07-01-2008
0

Re: UMB Blind dog

Congrats on the approval.

 

Regular Contributor
Logical
Posts: 120
Registered: ‎11-16-2007
0

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
Ulan
Posts: 790
Registered: ‎09-09-2008
0

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
Logical
Posts: 120
Registered: ‎11-16-2007
0

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
Ulan
Posts: 790
Registered: ‎09-09-2008
0

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
Logical
Posts: 120
Registered: ‎11-16-2007
0

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
PurpleHaze
Posts: 717
Registered: ‎03-05-2008
0

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


Take the FICO Fitness Challenge
Regular Contributor
Logical
Posts: 120
Registered: ‎11-16-2007
0

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.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+