topic Re: ALLIANT CU CC APPROVED!!!!!!!! in Credit Cards

!!!!!!!

Anonymous — Sat, 26 May 2012 15:51:01 GMT

Re: ALLIANT CU CC APPROVED!!!!!!!!

webhopper — Wed, 02 May 2012 20:45:49 GMT

@Anonymous wrote:
applied for membership......got a call from a rep....spoke to them about a CC......since I had one pull ....what the heck..... ......they seemed great on phone ...APPROVED 5000 CL at 13%.....

CSR said the score was between 690 to 720 pulled EQ

VERY HAPPY......

Should I close any my other accounts or just keep them running if I plan to get a AMEX ZYNC in the future ....(2014)

I have 1 HSBC discover about 5 years old Cap one about 4 yrs and chevron gas about 1 yr old..

Just want to make the right call when I go for the AMEX...Dont want to have too many cards..

thanks

You should leave them all open... Amex doesn't care about your other accounts as long as its not Credit One or First Premier.

What are you current scores and CLs?

Re: ALLIANT CU CC APPROVED!!!!!!!!

TNTransplant — Wed, 02 May 2012 20:55:45 GMT

@Anonymous wrote:
applied for membership......got a call from a rep....spoke to them about a CC......since I had one pull ....what the heck..... ......they seemed great on phone ...APPROVED 5000 CL at 13%.....

CSR said the score was between 690 to 720 pulled EQ

VERY HAPPY......

Should I close any my other accounts or just keep them running if I plan to get a AMEX ZYNC in the future ....(2014)

I have 1 HSBC discover about 5 years old Cap one about 4 yrs and chevron gas about 1 yr old..

Just want to make the right call when I go for the AMEX...Dont want to have too many cards..

thanks

Congrats! Great starting CL.

And I agree with webhopper - I would keep them all open right now.

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Wed, 02 May 2012 21:01:39 GMT

Scores are in siggy.......

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Wed, 02 May 2012 21:05:29 GMT

Discover 1300 cl.....barclays...3000.......cap one 2000....fairwinds 2500.....best buy.store card .....750.... chevron 750.........alliant 5000 cl....scores i in siggy

Re: ALLIANT CU CC APPROVED!!!!!!!!

Revelate — Thu, 03 May 2012 04:07:50 GMT

Congrats! Likewise to the above posters; I wouldn't close any of the current tradelines, the C1 AF (if any) isn't enough to justify closing it immediately, I'd wait till post Zync in this case though the Discover/Barclays cards are definitely solid... which between that and the reported EQ score that the Alliant CSR pulled begs the question:

Unless your income is off (Amex cares), or if you have something wayward in your EX profile, what's the reason you're waiting till 2014 for the Zync app? I assume you've had an Amex tradeline in the past to be waiting that long, otherwise I'd absolutely make an application sometime this year if it's your first with Amex.

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Thu, 03 May 2012 10:37:08 GMT

@Revelate wrote:
Congrats! Likewise to the above posters; I wouldn't close any of the current tradelines, the C1 AF (if any) isn't enough to justify closing it immediately, I'd wait till post Zync in this case though the Discover/Barclays cards are definitely solid... which between that and the reported EQ score that the Alliant CSR pulled begs the question:

Unless your income is off (Amex cares), or if you have something wayward in your EX profile, what's the reason you're waiting till 2014 for the Zync app? I assume you've had an Amex tradeline in the past to be waiting that long, otherwise I'd absolutely make an application sometime this year if it's your first with Amex.

I have a bk 7 reporting from 2005 that will be about 9 yrs....I tried for a zync ad was shot down this past march....salary is not the greatest...around 40 k

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Thu, 03 May 2012 10:51:13 GMT

Congrats, yes keep them open with a zero balance, I would not close them.

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Thu, 03 May 2012 12:06:20 GMT

@Revelate wrote:
Congrats! Likewise to the above posters; I wouldn't close any of the current tradelines, the C1 AF (if any) isn't enough to justify closing it immediately, I'd wait till post Zync in this case though the Discover/Barclays cards are definitely solid... which between that and the reported EQ score that the Alliant CSR pulled begs the question:

Unless your income is off (Amex cares), or if you have something wayward in your EX profile, what's the reason you're waiting till 2014 for the Zync app? I assume you've had an Amex tradeline in the past to be waiting that long, otherwise I'd absolutely make an application sometime this year if it's your first with Amex.

discover is thru HSBC....not that great ..........No fee though 16 APR

Re: ALLIANT CU CC APPROVED!!!!!!!!

visorboy1974 — Thu, 03 May 2012 12:47:35 GMT

@Anonymous wrote:
discover is thru HSBC....not that great ..........No fee though 16 APR

I think you may want to think about closing the Discover. HSBC Discover is considered a rebuilder card, plus you'll have more than made up for the loss in available credit with the new Alliant card. Not that it matters much, but what's the APR on the Discover?

I think the only two cards that won't grow much with you are the Discover and CapOne.

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Thu, 03 May 2012 17:00:16 GMT

I would be caerful moving money in and out of Alliant the first month. I've transferred money and there was a 9 day hold. One of the major selling points with Alliant was next day availabity so this didn't make sense to me. After speaking to a CSR she said all transactions have a 9 day hold the first month of account opening after that funds are available in one business day and post by at least the second. Which is fine but would've been nice to know before throwing a slew of money into an online account,.

An edit to my original post my account shows a 5 day (3 business day hold) for the money. So I'm hoping the CSR is at least right about the one month thing...

Re: ALLIANT CU CC APPROVED!!!!!!!!

Anonymous — Thu, 03 May 2012 22:49:30 GMT

@visorboy1974 wrote:
@Anonymous wrote:
discover is thru HSBC....not that great ..........No fee though 16 APR
I think you may want to think about closing the Discover. HSBC Discover is considered a rebuilder card, plus you'll have more than made up for the loss in available credit with the new Alliant card. Not that it matters much, but what's the APR on the Discover?

I think the only two cards that won't grow much with you are the Discover and CapOne.

Discover is 16.9.......just don't want to close discover because it is one of my older AAoA cards.....