topic Re: 99/500 up for review. What should I do?? in Credit Cards

99/500 up for review. What should I do??

Anonymous — Tue, 03 Feb 2009 20:25:58 GMT

I just talked with a CSR and ws told my account is marked to be reviewed to unsecure in two weeks. I currently have a balance of $134 which was charged after the statement cut.

Should I pay this or leave it alone?

I've PIF'd a couple of times. I always pay more than the minimum and payments were general made as soon as I noticed the statement cut.

TIA.

Re: 99/500 up for review. What should I do??

Anonymous — Tue, 03 Feb 2009 20:34:22 GMT

what month did u get it last year.

Re: 99/500 up for review. What should I do??

oracles — Tue, 03 Feb 2009 20:36:51 GMT

Hi lawskool

If you can pay it off, then why wait, do it now. you have to pay it anyway.

I do also think they will look at your history and will approve you.

Hope this helps and keep us updated

Re: 99/500 up for review. What should I do??

Anonymous — Tue, 03 Feb 2009 20:49:28 GMT

@Anonymous wrote:
what month did u get it last year.

I got mine in March of 2008.

I was asking about paying because I JUST paid my bill at the end of Jan for Feb. If you think it will help, I'll certainly do so.

Thanks for the replies.

Re: 99/500 up for review. What should I do??

Anonymous — Tue, 03 Feb 2009 21:26:34 GMT

i got mine in may 2008 good luck..keep us updated looks like your at 10 months

Message Edited by maxima1 on 02-03-2009 04:25 PM

Message Edited by maxima1 on 02-03-2009 04:26 PM

Re: 99/500 up for review. What should I do??

llecs — Tue, 03 Feb 2009 22:26:02 GMT

lawskool09 wrote:
I just talked with a CSR and ws told my account is marked to be reviewed to unsecure in two weeks. I currently have a balance of $134 which was charged after the statement cut.

Should I pay this or leave it alone?

I've PIF'd a couple of times. I always pay more than the minimum and payments were general made as soon as I noticed the statement cut.

TIA.

I was in the same position when mine went unsecured. I knew it was coming, so from month #7 on I kept the balance at $0 and would use only a little and PIF. When it unsecured, I did not get a CLI. However, my overall util was a wee bit toooo high then (60% plus). Now I haven't bothered to call them, but I did request a CLI online after I received the check from them and was denied.

Re: 99/500 up for review. What should I do??

Anonymous — Tue, 03 Feb 2009 22:53:08 GMT

@llecs wrote:
@Anonymous wrote:
I just talked with a CSR and ws told my account is marked to be reviewed to unsecure in two weeks. I currently have a balance of $134 which was charged after the statement cut.

Should I pay this or leave it alone?

I've PIF'd a couple of times. I always pay more than the minimum and payments were general made as soon as I noticed the statement cut.

TIA.

I was in the same position when mine went unsecured. I knew it was coming, so from month #7 on I kept the balance at $0 and would use only a little and PIF. When it unsecured, I did not get a CLI. However, my overall util was a wee bit toooo high then (60% plus). Now I haven't bothered to call them, but I did request a CLI online after I received the check from them and was denied.

Good to know. My util is around 24%. I just want the darn thing to unsecure, but I do hope for a CLI. I need some way to lessen the pain of the $900 CLD from Amex. So far, it hasn't hurt..

Re: 99/500 up for review. What should I do??

oracles — Thu, 05 Feb 2009 04:48:35 GMT

Just a reminder to Lawskool and llecs

You should do a product change after you get the card unsecured. Many people have discussed never receiving a cli on their card. Once they did a product change to another card, they were able to get frequent cli's and a nice higher limit.

llecs, since yours has already unsecured, you should definitely try this.

Keep us updated

Re: 99/500 up for review. What should I do??

llecs — Thu, 05 Feb 2009 05:02:19 GMT

oracles wrote:
llecs, since yours has already unsecured, you should definitely try this.

I'd agree with you, but the 99/500, now unsecured , card I have isn't offered via their website and is a monthly cash-back CC w/ 0% APR (for the first yr).

Re: 99/500 up for review. What should I do??

oracles — Thu, 05 Feb 2009 05:06:48 GMT

@llecs wrote:
@oracles wrote:
llecs, since yours has already unsecured, you should definitely try this.
I'd agree with you, but the 99/500, now unsecured , card I have isn't offered via their website and is a monthly cash-back CC w/ 0% APR (for the first yr).

Oh very cool, i guess after the first year,maybe you want to do a PC.