topic Re: Third PRE-APPROVED CARD in Credit Cards

Third PRE-APPROVED CARD

MountainHiker — Thu, 15 Nov 2012 02:13:51 GMT

Today was the first pre-approval from a company that I actually currently do business with. TD Bank has been pretty good to me for the few years I've had them.The question is does it make since to accept their pre-approval if my goal is to get nothing but prime cards? Their offer is for a cash back card and 6 months no interest. What do you guys think,thumbs up or thumbs down?

BTW, my chatty baby sister called today to Chase and get this.........SHE TALKED THEM INTO ANOTHER CREDIT INCREASE

She had her Amazon card for only two months and has managed to get two increases.Started at $1500 then had it increased to $3K last week, and today talked a rep into another double increase....$6K. Both were hard pulls but she is ok with those successful inquiries.

Re: Third PRE-APPROVED CARD

MountainHiker — Thu, 15 Nov 2012 02:46:28 GMT

Update!!

Baby sis plans to call and have her BP Visa limit doubled by the end of this week. You know what this tells me? Credit approval as well as credit increases has more to do with your ability to put forth a convincing arguement for a point of view than anything connected to credit scores.

Re: Third PRE-APPROVED CARD

wallyworld123 — Thu, 15 Nov 2012 04:53:09 GMT

stick to your plan. Happy for your sister congrats on her cli.

Re: Third PRE-APPROVED CARD

MountainHiker — Thu, 15 Nov 2012 11:35:30 GMT

@wallyworld123 wrote:
stick to your plan. Happy for your sister congrats on her cli.

Thanks. Think I will just hang in there and wait till march.

Re: Third PRE-APPROVED CARD

armbenderc — Thu, 15 Nov 2012 12:46:49 GMT

Is she hot? Lol

Re: Third PRE-APPROVED CARD

distantarray — Thu, 15 Nov 2012 14:34:57 GMT

@armbenderc wrote:
Is she hot? Lol

lol or atleast does she sound cute as hell or sexy with a real 1900 voice? lol

Re: Third PRE-APPROVED CARD

nicholasyud — Thu, 15 Nov 2012 14:42:10 GMT

Let me have her number. I need some baby sitter for me and.................my credit increase. Lol

Re: Third PRE-APPROVED CARD

Revelate — Thu, 15 Nov 2012 15:10:36 GMT

@MountainHiker wrote:
Update!!
Baby sis plans to call and have her BP Visa limit doubled by the end of this week. You know what this tells me? Credit approval as well as credit increases has more to do with your ability to put forth a convincing arguement for a point of view than anything connected to credit scores.

You're probably right; having spent much time as a CSR in other industries, it was just human nature for me to respond better to folks who treated me better or were simply more interesting to talk to.

There's a limit to this; however, many times it's just a matter of getting the CSR to ask the right questions or to go slightly further than they usually would for your own request. Also just like everyone else CSR's have off days too (and FWIW it's incredibly hard to talk to customers day in and day out in a phone queue) and sometimes you either just get lucky or not based on who's phone the ACD system drops you onto.

Re: Third PRE-APPROVED CARD

TheConductor — Thu, 15 Nov 2012 15:46:49 GMT

@Revelate wrote:
@MountainHiker wrote:
Update!!
Baby sis plans to call and have her BP Visa limit doubled by the end of this week. You know what this tells me? Credit approval as well as credit increases has more to do with your ability to put forth a convincing arguement for a point of view than anything connected to credit scores.
You're probably right; having spent much time as a CSR in other industries, it was just human nature for me to respond better to folks who treated me better or were simply more interesting to talk to.

There's a limit to this; however, many times it's just a matter of getting the CSR to ask the right questions or to go slightly further than they usually would for your own request. Also just like everyone else CSR's have off days too (and FWIW it's incredibly hard to talk to customers day in and day out in a phone queue) and sometimes you either just get lucky or not based on who's phone the ACD system drops you onto.

I have worked in enough call-center oriented companies (including my current one) to know this is absolutely true. The best thing you can do is be organized, polite, and well-reasoned when you call a CSR. Some of it is still luck of the draw, but the more you treat them like an intelligent human being deserving of your respect instead of like the grunge at the bottom of your recycling bin, the more likely they will be to engage with you and help you.

Re: Third PRE-APPROVED CARD

youngandcreditwrthy — Thu, 15 Nov 2012 17:03:21 GMT

AGREEED!

As a Leasing Agent, I get Cust Serv.

Don't expect me to go out of my way if you are rude, unorganized, and condescending.

With Chase, I went from denial... to approval after two recons.... lol Got my Chase Freedom with a $5,000 limit after two tries. I'd say that's successful too haha :-P.

Congrats!! and good luck :-)

Re: Third PRE-APPROVED CARD

MountainHiker — Fri, 16 Nov 2012 00:29:53 GMT

@nicholasyud wrote:
Let me have her number. I need some baby sitter for me and.................my credit increase. Lol

lol . She for sure could get your credit lines increased.She is a talker.Can talk a drowning man into drinking water.Her credit card limits will be over 10K by the 12 month mark of having her cards.

Re: Third PRE-APPROVED CARD

MountainHiker — Fri, 16 Nov 2012 01:18:50 GMT

@Revelate wrote:
@MountainHiker wrote:
Update!!
Baby sis plans to call and have her BP Visa limit doubled by the end of this week. You know what this tells me? Credit approval as well as credit increases has more to do with your ability to put forth a convincing arguement for a point of view than anything connected to credit scores.
You're probably right; having spent much time as a CSR in other industries, it was just human nature for me to respond better to folks who treated me better or were simply more interesting to talk to.

There's a limit to this; however, many times it's just a matter of getting the CSR to ask the right questions or to go slightly further than they usually would for your own request. Also just like everyone else CSR's have off days too (and FWIW it's incredibly hard to talk to customers day in and day out in a phone queue) and sometimes you either just get lucky or not based on who's phone the ACD system drops you onto.

Yes I agree 100%. She has the ability to get very high limits by putting forth a strong argument.Back in her mortgage Broker days before the near banking collapse in 2008 she cleaned up credit for customers in order to help them qualify for mortgage approval. The CSR's would be hard pressed to through a question at her which she couldn't handle. I think my limit could get increased if I was willing to pursue it but i don't want the inquiries at the moment especially with my last collection falling off in march. Rather wait till then and get my limit up near 5K. We will see. By then her's will be about 20K lol.