topic Re: I'm Pre-Approved!!!!! in Credit Cards

I'm Pre-Approved!!!!!

j_casteel — Fri, 08 Mar 2013 21:46:58 GMT

Checked the mail a bit ago and seen what i've been waiting for.....

A First Premier PLATINUM Card offer:

Instant access to $700 (after initial fee's are paid)

Only 36%apr

First AF of $179 then a barely noticeable $49 AF

Don't have to worry about making small purchases if I SD the card since they have that already taken care of it with the $14.95 monthly fee!!

FINALLY!!!!

Re: I'm Pre-Approved!!!!!

p- — Fri, 08 Mar 2013 21:49:13 GMT

You have arrived.

Re: I'm Pre-Approved!!!!!

zerobacan — Fri, 08 Mar 2013 21:50:43 GMT

Hurry hurry, destroy it!!!

Re: I'm Pre-Approved!!!!!

j_casteel — Fri, 08 Mar 2013 21:50:52 GMT

@p- wrote:
You have arrived.

I couldn't have done it without the help from great members like yourself and everyone else that has helped me along my journey.

THANKS!

Re: I'm Pre-Approved!!!!!

Anonymous — Fri, 08 Mar 2013 21:51:18 GMT

OMG! Congrats!!!

Re: I'm Pre-Approved!!!!!

Anonymous — Fri, 08 Mar 2013 21:52:32 GMT

I got a great credit card offer like that the other day. As well as an auto pre approval at 18%....woot!

Re: I'm Pre-Approved!!!!!

j_casteel — Fri, 08 Mar 2013 21:54:06 GMT

I hope they will recon if I'm denied

Re: I'm Pre-Approved!!!!!

LS2982 — Fri, 08 Mar 2013 21:55:09 GMT

@j_casteel wrote:
Checked the mail a bit ago and seen what i've been waiting for.....

A First Premier PLATINUM Card offer:

Instant access to $700 (after initial fee's are paid)
Only 36%apr
First AF of $179 then a barely noticeable $49 AF
Don't have to worry about making small purchases if I SD the card since they have that already taken care of it with the $14.95 monthly fee!!

FINALLY!!!!

CONGRATS!!!

Don't spend that $700 all in one place!!

Re: I'm Pre-Approved!!!!!

Anonymous — Fri, 08 Mar 2013 21:58:13 GMT

I heard you can ask for a monthly fee increase every 6 months.

Re: I'm Pre-Approved!!!!!

j_casteel — Fri, 08 Mar 2013 21:59:07 GMT

@LS2982 wrote:
@j_casteel wrote:
Checked the mail a bit ago and seen what i've been waiting for.....

A First Premier PLATINUM Card offer:

Instant access to $700 (after initial fee's are paid)
Only 36%apr
First AF of $179 then a barely noticeable $49 AF
Don't have to worry about making small purchases if I SD the card since they have that already taken care of it with the $14.95 monthly fee!!

FINALLY!!!!

CONGRATS!!!

Don't spend that $700 all in one place!!

After the fee's are taken out...I guess I could go fill up the tank which would leave me at 95% UTI on the card.

Re: I'm Pre-Approved!!!!!

j_casteel — Fri, 08 Mar 2013 22:00:37 GMT

@Anonymous wrote:
I heard you can ask for a monthly fee increase every 6 months.

one of the exclusive cardmember bennies they offer

Re: I'm Pre-Approved!!!!!

LS2982 — Fri, 08 Mar 2013 22:03:45 GMT

@j_casteel wrote:
@Anonymous wrote:
I heard you can ask for a monthly fee increase every 6 months.
one of the exclusive cardmember bennies they offer

They also call your other creditors on the "down low" and tell them how much of a wonderful monthly fee payer every month in hopes they will adapt the same policies!!

AWESOME!!!

Re: I'm Pre-Approved!!!!!

jamesdwi — Fri, 08 Mar 2013 22:04:06 GMT

@Anonymous wrote:
I heard you can ask for a monthly fee increase every 6 months.

+10 LOL haha

Re: I'm Pre-Approved!!!!!

Anonymous — Fri, 08 Mar 2013 22:21:28 GMT

Highway robbery!

Re: I'm Pre-Approved!!!!!

myjourney — Fri, 08 Mar 2013 22:32:38 GMT

So after the monthly fees, gas and other incidentails....your purchasing power is 1 pkg of bubble gum per month?

Sounds like the Godfather they made you a deal you can't refuse!

How in the world can you pass on a deal like that and live to tell about it? Lol

Re: I'm Pre-Approved!!!!!

Anonymous — Fri, 08 Mar 2013 23:07:16 GMT

I guess I have a lot to learn.. I love my First Premier Card

Re: I'm Pre-Approved!!!!!

Anonymous — Fri, 08 Mar 2013 23:30:14 GMT

It is very thoughtful of them to keep me supplied with paper goods to help start my fireplace on those cold days when I need a little extra warmth while I organize my other credit card statements.

Re: I'm Pre-Approved!!!!!

p- — Fri, 08 Mar 2013 23:48:13 GMT

@Anonymous wrote:
I guess I have a lot to learn.. I love my First Premier Card

I always think of subprime cards like the 300 dollar piece of carp Duster I drove in high school. Back then, just having a car was a major plus. Now, my standards have gone up a bit.

Same with credit cards. From the point at which you're happy just to have one, anything looks good. But when your options expand, your standards go up.

I call it Last Call Romeo Syndrome - variable standards based on perspective. :-D

Re: I'm Pre-Approved!!!!!

p- — Fri, 08 Mar 2013 23:52:01 GMT

I sure was excited about my 300 dollar Orchard card, 79 dollar annual fee and all. With the app fee I think I was at 50% util before I ever swiped it.

Re: I'm Pre-Approved!!!!!

Anonymous — Sat, 09 Mar 2013 00:02:37 GMT

At least the card grows with you, in fees.