Credit Card Center Advertiser Disclosure†
05-19-2007 01:57 PM
05-19-2007 02:32 PM
07-09-2007 04:52 PM
MidnightVoice wrote:Apart from cell phone enquiries being treated as desperate pleas for more credit, another of my major gripes at the system is the Credit Utilization bit. To be a good boy I must not use too much of my available credit. With an airline card (Chase) this prohibits me from earning miles, unless I change my payment date so I can pay the card off well before I need to so that when it reports my balance it is very low.It makes it very hard.
07-09-2007 05:28 PM
Which state do you live in and do you know which CRA they pulled?
MidnightVoice wrote:Apart from cell phone enquiries being treated as desperate pleas for more credit, another of my major gripes at the system is the Credit Utilization bit. To be a good boy I must not use too much of my available credit. With an airline card (Chase) this prohibits me from earning miles, unless I change my payment date so I can pay the card off well before I need to so that when it reports my balance it is very low.It makes it very hard.ououhhhh, I have so many questions.....I just applied for the Continental Airlines Chase CC TODAY for just that reason, ....keeping my fingers crossed on the approval....Do you ever pay your mortgage or other large bills with your miles card?Do they have online banking?Can you set up recurring payments with their online banking?Thanks,ctRob
07-09-2007 07:24 PM
Thanks! I am thinking of compiling a list of CCC/CRA pulls from posts at this forum and later sticky it.
ctrob wrote:I'm in CT. I read somewhere they pull TU in PA, my TU is 649...I just applied today and haven't checked yet to see if there was a pull
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.