topic Re: What would you do? in Credit Cards

What would you do?

Anonymous — Fri, 11 Aug 2017 17:50:15 GMT

I have the green check mark in my online accounts for CSP at 16%. I don't care about the APR because nothing will ever report. I will always pay before statement cut. Scores are in my signature. I just got the Penfed Power. Cash. I have had my FREEDOM for almost two years. My files are squeaky clean. Today I have 4% utilization reporting. Next month it will spike to 13% for a short time.

The CSP will bring my EX AAOA's to 1.7 years, TU 1.8 years and EQ 1.5 years.

Will the spike in utilization and two new accounts piss off chase or cause AA with any creditors?

I have squeaky clean files...Not a single baddie.

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 17:51:40 GMT

Also, do you think i will get a baby 5k limit if i did the plunge?

Re: What would you do?

pizza1 — Fri, 11 Aug 2017 17:54:29 GMT

Ive had a max of 22 new acts in one year that never sparked anything but CLI's with current lenders, LOL...Im sure 2 new acts are OK.

If you take the offer with your current util at 4%, your next month util reporting won't be 13% depending on your SL you get with your new Chase card

Re: What would you do?

pizza1 — Fri, 11 Aug 2017 17:56:23 GMT

@Anonymous wrote:
Also, do you think i will get a baby 5k limit if i did the plunge?

hard to say, noone knows, but CSP is a min SL of $5k so you'll get at least that for sure.

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 17:57:11 GMT

@pizza1 wrote:
Ive had a max of 22 new acts in one year that never sparked anything but CLI's with current lenders, LOL...Im sure 2 new acts are OK.

If you take the offer with your current util at 4%, your next month util reporting won't be 13% depending on your SL you get with your new Chase card

Thanks Pizza!!

Re: What would you do?

AverageJoesCredit — Fri, 11 Aug 2017 18:03:19 GMT

I would hope with your profile Chase would give you at least 10k but im gonna lay out 16k lol, lets see who's closest

Pizza, 22 in a year, im disappointed 2 more and you could have had the xxl Pizza

Re: What would you do?

pizza1 — Fri, 11 Aug 2017 18:06:46 GMT

@AverageJoesCredit wrote:
I would hope with your profile Chase would give you at least 10k but im gonna lay out 16k lol, lets see who's closest

Pizza, 22 in a year, im disappointed 2 more and you could have had the xxl Pizza

LOL AJC!!

my bet is 16,001!! LOL.. (and the actual retail price is...........)

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 18:47:39 GMT

Approved $18,900.00!

Yeah!

Re: What would you do?

simplynoir — Fri, 11 Aug 2017 19:15:54 GMT

Very nice.

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 19:55:56 GMT

Congrats very nice...

And the winner is... Pizza... tell her whats shes won Bob - errr - Drew... lol

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 20:00:09 GMT

@Anonymous wrote:
Congrats very nice...

And the winner is... Pizza... tell her whats shes won Bob - errr - Drew... lol

She has won an all inclusive grand tour of "Chase Headquarters". She will also get to see their computer and secret algorithm. A two night stay at Motel 6, and a round trip Choo Choo train ride.

Re: What would you do?

bourgogne — Fri, 11 Aug 2017 20:13:26 GMT

@Anonymous wrote:
Approved $18,900.00!

Yeah!

bang! that is how it's done...congrats. nice addition to your quiver + 59K is a nice little +

Re: What would you do?

K-in-Boston — Fri, 11 Aug 2017 20:17:29 GMT

Congrats! Also the 16.99% is currently the lowest listed range for the CSP, so it's not like they were offering it to you with a high APR relative to the card. The APR creep is really starting to show now. I used to consider my Freedom to be low-APR "for a non-credit union card," but even it is up to 14.99% now.

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 20:19:43 GMT

@K-in-Boston wrote:
Congrats! Also the 16.99% is currently the lowest listed range for the CSP, so it's not like they were offering it to you with a high APR relative to the card. The APR creep is really starting to show now. I used to consider my Freedom to be low-APR "for a non-credit union card," but even it is up to 14.99% now.

My lowest is my DCU at 9.50%.

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 20:22:09 GMT

@bourgogne wrote:
@Anonymous wrote:
Approved $18,900.00!

Yeah!
bang! that is how it's done...congrats. nice addition to your quiver + 59K is a nice little +

Thanks!

?? "quiver + 59K is a nice little +??

Re: What would you do?

bourgogne — Fri, 11 Aug 2017 20:25:02 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Approved $18,900.00!

Yeah!
bang! that is how it's done...congrats. nice addition to your quiver + 59K is a nice little +
Thanks!

?? "quiver + 59K is a nice little +??

https://en.wikipedia.org/wiki/Quiver as in addition to your other cards. 59K as in bonus points

Re: What would you do?

K-in-Boston — Fri, 11 Aug 2017 20:26:48 GMT

@Anonymous wrote:
@K-in-Boston wrote:
Congrats! Also the 16.99% is currently the lowest listed range for the CSP, so it's not like they were offering it to you with a high APR relative to the card. The APR creep is really starting to show now. I used to consider my Freedom to be low-APR "for a non-credit union card," but even it is up to 14.99% now.
My lowest is my DCU at 9.50%.

Well, yeah the CU part of that would be credit union. Are you in the Pru elevator again today?

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 20:51:09 GMT

@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Approved $18,900.00!

Yeah!
bang! that is how it's done...congrats. nice addition to your quiver + 59K is a nice little +
Thanks!

?? "quiver + 59K is a nice little +??
https://en.wikipedia.org/wiki/Quiver as in addition to your other cards. 59K as in bonus points

Well stupid ME! Duh.... Thanks bourgogne!!

Re: What would you do?

Anonymous — Fri, 11 Aug 2017 20:55:14 GMT

@K-in-Boston wrote:
@Anonymous wrote:
@K-in-Boston wrote:
Congrats! Also the 16.99% is currently the lowest listed range for the CSP, so it's not like they were offering it to you with a high APR relative to the card. The APR creep is really starting to show now. I used to consider my Freedom to be low-APR "for a non-credit union card," but even it is up to 14.99% now.
My lowest is my DCU at 9.50%.
Well, yeah the CU part of that would be credit union. Are you in the Pru elevator again today?

Had lunch at top of the hub! Now on my way home to Plainville...Yeah, also forgot to take my Adderall, so my ADD was in full swing today. Thanks for bearing with me.

Re: What would you do?

bourgogne — Fri, 11 Aug 2017 20:55:48 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Approved $18,900.00!

Yeah!
bang! that is how it's done...congrats. nice addition to your quiver + 59K is a nice little +
Thanks!

?? "quiver + 59K is a nice little +??
https://en.wikipedia.org/wiki/Quiver as in addition to your other cards. 59K as in bonus points
Well stupid ME! Duh.... Thanks bourgogne!!

18.9, not that stupid. lets start a pool, I bet your risk score is 736, post the result when you get the card. have a great weekend when it comes