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oh uh i poked the bear(BARCLAYS)

Senior Contributor

Re: oh uh i poked the bear(BARCLAYS)


jsickz32 wrote:

bestbuy

amex bce

chase freedom

amex green

bofa amex

navy federal cash rewards

amex gold pr

walmart

citizens bank MC cash back'

discover more

citi foward

paypal smart connect

dcu platinum

discover IT (counts as new account)

lowes

Bill me later (i dont think it reports or shows up in my CRs)


Curious about why you wanted so many diff Amex. And also why 2 Discovers. It looks like you got nearly every cc you could ever want all in one fell swoop! 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 31 of 43
Valued Contributor

Re: oh uh i poked the bear(BARCLAYS)


bichonmom wrote:

jsickz32 wrote:

bestbuy

amex bce

chase freedom

amex green

bofa amex

navy federal cash rewards

amex gold pr

walmart

citizens bank MC cash back'

discover more

citi foward

paypal smart connect

dcu platinum

discover IT (counts as new account)

lowes

Bill me later (i dont think it reports or shows up in my CRs)


Curious about why you wanted so many diff Amex. And also why 2 Discovers. It looks like you got nearly every cc you could ever want all in one fell swoop! 



i like amex and im not ashamed to admit it lol and no i had discover more first but when i pced to IT it showed up as new account. only credit cards i really want is amex SPG and Chase CSP!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 32 of 43
Super Contributor

Re: oh uh i poked the bear(BARCLAYS)


jsickz32 wrote:

bestbuy

amex bce

chase freedom

amex green

bofa amex

navy federal cash rewards

amex gold pr

walmart

citizens bank MC cash back'

discover more

citi foward

paypal smart connect

dcu platinum

discover IT (counts as new account)

lowes

Bill me later (i dont think it reports or shows up in my CRs)


You're doing good. You got some nice cards. Smiley Happy

 

 

Ron.

Message 33 of 43
Frequent Contributor

Re: oh uh i poked the bear(BARCLAYS)

Nice man. What is your AAOA and oldest account? Any baddies?

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Message 34 of 43
Valued Contributor

Re: oh uh i poked the bear(BARCLAYS)

My AAoA is 11 months on ex, 09 months on eq and 11 months on tu...oldest account 5 years. I have a CO from joint citizensbank account that is a mistake that im trying to fix. No bank ever mentioned it, even citizens bank cant find why that account went CO.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 35 of 43
Senior Contributor

Re: oh uh i poked the bear(BARCLAYS)

Wow! Im surprised they didn't close you! Be careful and gratz on all the beautiful new plastic!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 36 of 43
Regular Contributor

Re: oh uh i poked the bear(BARCLAYS)

I opened up the Barclays US AIRWAYS CC in Aug. last week I got my nordstrom upgraded to Siggy and opened up The Delta Gold Amex and then next day got the Citi Hilton Reserve. So we will see what happens. I knew I was getting more cards so I also BT and bought tickets to Hawaii (reason for the card) so they gave me 10,000 CL. I have a balance 8000. I figure that way they can't lower my CL by much. So we will see what if anything happens. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Message 37 of 43
Frequent Contributor

Re: oh uh i poked the bear(BARCLAYS)

Be careful. just because you have a balance of $8k on a $10k card doesn't mean they can't lower your limit. They can actually lower your limit to less than your balance, making your utilization on that card more than 100%, and hurting your credit score. You could also potentially then be hit with over-limit fees and increased APRs. That's a worst case scenario, and they have to give you certain notice if they do that, but it can happen. 

 

A less extreme example is that they could just "balance chase" you, and keep your utilization perpetually near 100%, still hurting your credit score.

 

Not to say that they WILL do either of those things, but they CAN (depending on your card member agreement and any applicable state law of course).

Scores:
07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Message 38 of 43
Valued Contributor

Re: oh uh i poked the bear(BARCLAYS)

UPDATE: i was just at bestbuy buying something and decided to try to use my BB card...bought a bottle of water with it and it went thru so now im confused
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 39 of 43
Contributor

Re: oh uh i poked the bear(BARCLAYS)


jsickz32 wrote:
UPDATE: i was just at bestbuy buying something and decided to try to use my BB card...bought a bottle of water with it and it went thru so now im confused

Yeah it will get shut down dont worry! I had 4 HSBC accounts little over a year ago. They Closed all my accounts because of the same reason. I have some of these cards for 5 years perfect history and all. Closed them all for the same reason you got! I reapplied for the Best Buy Store Card a few weeks ago. The said it was declined for security/Identity reasons. I called and had to talk to to 2 supervisors they declined it because too many active accounts. But they actually reviewed it against the previous account closure and decided they didnt want to open it because of that reason and my current report. FICO at the time of INQ was 720. So it was the number of accounts nothing else. I still may close my capital one accounts because of their policies. I know it was previously HSBC but they are now Capital One and dont want my business thats fine I Prime cards and that love my business and increase my limits and grow with me as my financies grow too.

Message 40 of 43