Secretly competing against Enharu

[myjourney]

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@09Lexie wrote:
Shaking my head!

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[enharu]

lol bad place to post about it.

It was for an auto loan. I requested that they apply only with BMW financial first and avoid doing a shotgun app, since I was confident I'll be approved by BMW. They said ok, but for some reason the finance people went ahead and did multiple simultaneous apps with different lenders. I haven't received any emails about the inquiries alert, but since they were able to tell me about different rates that each bank is offering me, I know they did a shotgun app. 

I was pretty pissed, since I was able to qualify for 2.99% with BMW, which means there was no need for them to process apps with other banks.

Oh well. Good discount on the car though. No idea why I went with the auto loan as well since I'm probably going to pay it off in a few months. 

On the plus side I'm really not going to apply for anything for a good amount of time!

[gen-specific]

Weaknesses, things to slow you down, my time is coming

@enharu wrote:

lol bad place to post about it.

It was for an auto loan. I requested that they apply only with BMW financial first and avoid doing a shotgun app, since I was confident I'll be approved by BMW. They said ok, but for some reason the finance people went ahead and did multiple simultaneous apps with different lenders. I haven't received any emails about the inquiries alert, but since they were able to tell me about different rates that each bank is offering me, I know they did a shotgun app. 

I was pretty pissed, since I was able to qualify for 2.99% with BMW, which means there was no need for them to process apps with other banks.

Oh well. Good discount on the car though. No idea why I went with the auto loan as well since I'm probably going to pay it off in a few months. 

On the plus side I'm really not going to apply for anything for a good amount of time!

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[09Lexie]

@enharu

My head hurts from shaking it so hard.

[myjourney]

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@enharu wrote:

lol bad place to post about it.

It was for an auto loan. I requested that they apply only with BMW financial first and avoid doing a shotgun app, since I was confident I'll be approved by BMW. They said ok, but for some reason the finance people went ahead and did multiple simultaneous apps with different lenders. I haven't received any emails about the inquiries alert, but since they were able to tell me about different rates that each bank is offering me, I know they did a shotgun app. 

I was pretty pissed, since I was able to qualify for 2.99% with BMW, which means there was no need for them to process apps with other banks.

Oh well. Good discount on the car though. No idea why I went with the auto loan as well since I'm probably going to pay it off in a few months. 

On the plus side I'm really not going to apply for anything for a good amount of time!

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SURE LOL

Congarts tho

OP you need a BMW now LMAO

[enharu]

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@09Lexie wrote:
@enharu

My head hurts from shaking it so hard.

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yea I know I was pretty pissed and depressed too until I got into the car.

Got it for slightly below truecar price though, so good deal I suppose. Just bad for my CR.....

But yea definitely no more apps for a good amount of time. The more I think about what they did the more depressing it gets

[gen-specific]

@enharu

what is this limit AmEx Platinum (NPSL), AmEx Blue Cash Preferred (42k)   

[enharu]

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@gen-specific wrote:

@enharu

what is this limit AmEx Platinum (NPSL), AmEx Blue Cash Preferred (42k)   

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The Amex plat is a charge card with no preset limit. I don't know my internal limit either. Haven't tried the button to test how much I can charge on the card, and I've only spent a little over 3k on that card so far, just enough to meet the sign-up bonus.

The BCP CL is at 42k. The global transfer program based it upon my PPS Plat card and my singapore tax docs that they have on file.

[gen-specific]

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@enharu wrote:

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@gen-specific wrote:

@enharu

what is this limit AmEx Platinum (NPSL), AmEx Blue Cash Preferred (42k)   

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The Amex plat is a charge card with no preset limit. I don't know my internal limit either. Haven't tried the button to test how much I can charge on the card, and I've only spent a little over 3k on that card so far, just enough to meet the sign-up bonus.

The BCP CL is at 42k. The global transfer program based it upon my PPS Plat card and my singapore tax docs that they have on file.

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this might have become a slightly less practical competition

[longtimelurker]

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@gen-specific wrote:

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@enharu wrote:

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@gen-specific wrote:

@enharu

what is this limit AmEx Platinum (NPSL), AmEx Blue Cash Preferred (42k)   

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The Amex plat is a charge card with no preset limit. I don't know my internal limit either. Haven't tried the button to test how much I can charge on the card, and I've only spent a little over 3k on that card so far, just enough to meet the sign-up bonus.

The BCP CL is at 42k. The global transfer program based it upon my PPS Plat card and my singapore tax docs that they have on file.

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this might have become a slightly less practical competition

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Nah, 3x CLI on your $30K blue, no problem!   I'm going to have to get enharu to get the TD Cash card.   He has a Citi 5x TYP and is wasting money buying BMWs instead of Vanilla Reloads!  Some people....