topic Re: BANK OF AMERICA & CHASE WHAT A JERKS in Credit Cards

BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Fri, 16 Nov 2012 12:39:21 GMT

I'm so sad today guys I just got back from work it's almost 5:00 am here in Los Angeles and waiting on the table there's 2 preaproval letters one from Bank of America cash rewards and one for the chase Fredom I just got into the garden like 3 days ago and now they start sending me preaprovals what a jerks lol they like to push people buttons (. 0% tolerance policy against application I must resist at all cost but god it's so painful freedom it's another of my dream cards tear tear

Re: BANK OF AMERICA & CHASE WHAT A JERKS

creditnocash — Fri, 16 Nov 2012 12:44:36 GMT

what are your inq's like? aaoa.

if you can wait, do it.

it will only help you in the long run.

when i first got my walmart card back in july it was an 800 limit and my walmart fico started at 728, obv it went down due to other new cards from apps and util.

this monh it jumped to 743. with 4 cards reporting and around 750/12k reporting. this is just with gardenining =)

and yesterday got a cli from the 3k i got last month to 5k.

so it has its perks. (gardenining)

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Fri, 16 Nov 2012 12:50:43 GMT

I won't do it I have to be a man of my word and follow garden advice... Have plenty of inquiries all over the place fico it's equifax 690 transunion 687 experian 730 creditkarma but I barely have 8 months of credit history and 6 credit cards I think it should be better if I wait lil longer thanks for the advice and congratulation on you credit increase

Re: BANK OF AMERICA & CHASE WHAT A JERKS

creditnocash — Fri, 16 Nov 2012 12:55:51 GMT

@Anonymous wrote:
I won't do it I have to be a man of my word and follow garden advice... Have plenty of inquiries all over the place fico it's equifax 690 transunion 687 experian 730 creditkarma but I barely have 8 months of credit history and 6 credit cards I think it should be better if I wait lil longer thanks for the advice and congratulation on you credit increase

I have to take my own advice as well.

With only an 8 month history they will likely just throw you into a low limit card like they did with me.

I was around 675 when I apped around 10 months aaoa at the time, and only got a 500 limit on my freedom. Which is ok since I only used it to get the bonus and the gas and restaurants category wasn't bad. But since then hasn't gotten much use.

1% cash back is pretty standard on all my cards that aren't store cards.

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Fri, 16 Nov 2012 13:23:49 GMT

I really won't mind a small limit lol but I'm sure it's a sure declined on both so better keep gardening man. Till this 6 cards go bigger then to get bigger ones after that

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Fri, 16 Nov 2012 13:35:49 GMT

@Anonymous wrote:
I won't do it I have to be a man of my word and follow garden advice... Have plenty of inquiries all over the place fico it's equifax 690 transunion 687 experian 730 creditkarma but I barely have 8 months of credit history and 6 credit cards I think it should be better if I wait lil longer thanks for the advice and congratulation on you credit increase

Like creditnocash said it will only help you in the long run. You don't want to waste an inq this early unless you're 100% positive that you will be approved.

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Fri, 16 Nov 2012 13:39:03 GMT

That's completely accurate since I'm sure is a denied or sorry short length with accounts open... I rather keep my fingers off the letters and off any other credit offer lol

Re: BANK OF AMERICA & CHASE WHAT A JERKS

JusdoNit — Fri, 16 Nov 2012 21:42:05 GMT

Hear. Hear! Awesome advice and great restraint with your continued gardening decision. You don't wanna have double digit inquiries like me Did I mention that mines start with a 3?

Re: BANK OF AMERICA & CHASE WHAT A JERKS

RonDawg — Sat, 17 Nov 2012 02:16:16 GMT

@Anonymous wrote:
I'm so sad today guys I just got back from work it's almost 5:00 am here in Los Angeles and waiting on the table there's 2 preaproval letters one from Bank of America cash rewards and one for the chase Fredom I just got into the garden like 3 days ago and now they start sending me preaprovals what a jerks lol they like to push people buttons (. 0% tolerance policy against application I must resist at all cost but god it's so painful freedom it's another of my dream cards tear tear

how the heck?? You get pre approvals for cards and I don't get nothing lol

Don't fall off the wagon for their promises keep up the fine fight man you have all the rest of us here supporting you in the garden!

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Sat, 17 Nov 2012 00:40:04 GMT

RonDawg. Man it's. really cool having prep approvals letters n stuff but when your at the garden it hurts to get them and not touch them lol.

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Jutz — Sat, 17 Nov 2012 01:23:27 GMT

Haha, not where I thought this thread was heading. Congrats on the restraint OP

Re: BANK OF AMERICA & CHASE WHAT A JERKS

Anonymous — Sat, 17 Nov 2012 02:06:43 GMT

+1 Congrats on the restraint OP

Re: BANK OF AMERICA & CHASE WHAT A JERKS

RonDawg — Sat, 17 Nov 2012 02:15:44 GMT

@Anonymous wrote:
RonDawg. Man it's. really cool having prep approvals letters n stuff but when your at the garden it hurts to get them and not touch them lol.

Yeah I hear ya, I sometimes think am I alone out here, then I figured something out its better to not get them when your in the garden then to get them. Keep up the fine fight man I will be pull for you all the way over here in no pre approval land lol