topic Re: Is my well running dry? in Credit Cards

Is my well running dry?

chrisw1968uk — Thu, 05 Sep 2013 00:21:28 GMT

I all

In the last month, I have apped for 4 new cards - 100% instant approval, with CL's of between $4-5K on each.

I was perfectly happy with that, I don't ever see myself wanting another card, except maybe an AMEX charge card in 12 months time.

BUT today i got a pre-approval for a BOA cash rewards card, 15 months 0% then 14.99% (which is the best rate i have so far)

I received my US Bank Platinum Perks yesterday - My highest CL @ $5k - but NO 0% at all

So being disillusioned with the US Bank card - I took the bull by the horns and apped for the BOA card - I was instantly approved - but only $1,100 limit ;(

I am "sock-drawing" 3 of my cards - Cap 1, Discover and WF - Is it worth asking for a re-con? or just be happy that it's another CL that wasn't declined?

I will now definitely not be apping for anything else until AMEX gold in Oct 14

Re: Is my well running dry?

myjourney — Thu, 05 Sep 2013 00:23:28 GMT

Congarts

sure no more app I've heard that before LOL

Re: Is my well running dry?

chrisw1968uk — Thu, 05 Sep 2013 00:24:47 GMT

LOL - this getting credit thing is like a "fix" - this is one addiction that I MUST break lol

Re: Is my well running dry?

Kenny — Thu, 05 Sep 2013 01:16:03 GMT

When calling to activate, I would just mention to them that you were looking for a similar credit line as the others you have, and that you'd really prefer to use this card due to the great promotional rate that we offered.

Good luck and please update us!

Re: Is my well running dry?

FinStar — Thu, 05 Sep 2013 01:59:31 GMT

@myjourney wrote:
Congarts
sure no more app I've heard that before LOL

I'd say the well is surely getting pretty dried up by now.

Re: Is my well running dry?

chrisw1968uk — Thu, 05 Sep 2013 02:05:19 GMT

lol helooooooooooooooooooooooooooooooooooooooooooooo anybody there?

Re: Is my well running dry?

myjourney — Thu, 05 Sep 2013 02:09:52 GMT

@FinStar wrote:
@myjourney wrote:
Congarts
sure no more app I've heard that before LOL
+1

I'd say the well is surely getting pretty dried up by now.

LMBO

Good one

Re: Is my well running dry?

FinStar — Thu, 05 Sep 2013 02:18:14 GMT

LOL.

By the way OP, don't be discouraged with the US Bank CC. It is a great starting CL and you may periodically receive 0% BT offers once you've had the account for some time. Also, there is the option (once you've had it for at least 4-6 months) to see if you qualify or PC to the Cash+ Visa Signature. You already have the CL for it, why not use it to your advantage! And, I wouldn't close your BofA - they are a great CC to have. Give it about 12 months to see if you qualify for a CLI - if your CR profile is decent by that point and your scores improve, I'm sure they can be very generous. Just some food for thought

Re: Is my well running dry?

myjourney — Thu, 05 Sep 2013 02:18:16 GMT

@FinStar wrote:
LOL.

By the way OP, don't be discouraged with the US Bank CC. It is a great CL and you may periodically receive 0% BT offers once you've had the account for some time. Also, there is the option once you'vee had it for at least 4-6 months to see if you can PC to the Cash+ Visa Signature. You already have the CL for it, why not use it to your advantage. And, I wouldn't close your BofA - they are a great CC to have. Give it about 12 months to see if you qualify for a CLI - if your CR profile is decent by that point and your scores improve, I'm sure they can be very generous. Just some food for thought

+1 you paid the price with a HP and supposedly you're in the garden so let them all build positive history since the well is dry...LOL

Re: Is my well running dry?

FinStar — Thu, 05 Sep 2013 02:23:04 GMT

@myjourney wrote:
@FinStar wrote:
LOL.

By the way OP, don't be discouraged with the US Bank CC. It is a great CL and you may periodically receive 0% BT offers once you've had the account for some time. Also, there is the option once you'vee had it for at least 4-6 months to see if you can PC to the Cash+ Visa Signature. You already have the CL for it, why not use it to your advantage. And, I wouldn't close your BofA - they are a great CC to have. Give it about 12 months to see if you qualify for a CLI - if your CR profile is decent by that point and your scores improve, I'm sure they can be very generous. Just some food for thought
+1 you paid the price with a HP and supposedly you're in the garden so let them all build positive history since the well is dry...LOL

Welcome back to the garden OP

Re: Is my well running dry?

myjourney — Thu, 05 Sep 2013 02:24:21 GMT

@FinStar wrote:
@myjourney wrote:
@FinStar wrote:
LOL.

By the way OP, don't be discouraged with the US Bank CC. It is a great CL and you may periodically receive 0% BT offers once you've had the account for some time. Also, there is the option once you'vee had it for at least 4-6 months to see if you can PC to the Cash+ Visa Signature. You already have the CL for it, why not use it to your advantage. And, I wouldn't close your BofA - they are a great CC to have. Give it about 12 months to see if you qualify for a CLI - if your CR profile is decent by that point and your scores improve, I'm sure they can be very generous. Just some food for thought
+1 you paid the price with a HP and supposedly you're in the garden so let them all build positive history since the well is dry...LOL
Welcome back to the garden OP

Hint hint OP

Lol

Re: Is my well running dry?

chrisw1968uk — Thu, 05 Sep 2013 11:12:18 GMT

Yup - hint taken - thanks all - I HEREBY DECLARE AND AFFIRM MY ALLEGIANCE TO THE GARDEN OF MY FICO.COM Now how do i get one of those spade things? lol