05-28-2013 04:19 PM
05-29-2013 05:42 AM
Agreed and I can confirm JPM Select and BML (well, Newegg anyway) are NOT on my credit reports; no balances, no credit limit, not even the hint of a tradeline. I used to have a Radio Shack store card that was hidden as well.
BoA World MC does report limit and balance, however, that was through bank offered upgrades formerly Platinum Plus so maybe that is why stats are reported.
Getting a hidden trade line with no AF is probably not going to happen. I certainly think the $95 or whatever I pay for the JPM is worth the hidden trade line.
05-29-2013 10:18 AM
05-29-2013 10:22 AM
05-29-2013 01:54 PM
05-29-2013 02:36 PM - edited 05-29-2013 02:38 PM
Pretty sure the AF for the JPM Select is $95.
Also, as far as its difficulty to get, you need to be either a JPM Client or a chase private client (or something like that, they have like 10 different levels) for the palladium as well. Last I heard, you had to have over a million with them for the palladium, but people used to say you needed to have 30 million+ , not sure where exactly it stands now.
You used to be able to get away with getting both the JPM select and palladium without really meeting any of the requirements. Now, for the palladium at least, a private banker (most likely your private banker) has to endorse the application in order for it to be even considered (AFAIK)
05-29-2013 02:42 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.