topic Re: New Credit Card suggestions? in Credit Cards

New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 15:27:08 GMT

Hello, I've just cancelled my Discover It card (low CL and poor CS, YMMV) so I'm thinking about getting a new card to fill my wallet's empty card slot.

Preferably pull from Experian.
Not from Barclay's, BoA, Chase, Citi, Discover.
Looking for a more "everyday card" since I don't categorize my spendings ...

Just pulled my credit score from EX (parathesis = creditors haven't updated my CR cuz of closed/combined accounts):

3 inquiries, all within the last 6 months
Utilization at 32% (34%), I've always pulled in pull regardless of promotional APR
AAoA: 4 years 6 months (3 years 2 months)
14 opening accounts, 23 closed accounts paid in full (5 opening accounts, 30 closed accounts), one student loan with a balance ~$33000
No collection/bk/late payment/anything else that's bad.

Any suggestions? Thanks!

Re: New Credit Card suggestions?

jsucool76 — Sat, 30 Aug 2014 15:30:39 GMT

Amex ED/EDP possibly?

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 15:32:07 GMT

@jsucool76 wrote:
Amex ED/EDP possibly?

I tried the prequalifying website everyday but I was never pre-qualified for anything ...

Re: New Credit Card suggestions?

jsucool76 — Sat, 30 Aug 2014 15:33:56 GMT

@Anonymous wrote:
@jsucool76 wrote:
Amex ED/EDP possibly?
I tried the prequalifying website everyday but I was never pre-qualified for anything ...

Doesn't mean you won't be approved. I wasn't prequalified for anything except my cap1 card. Any idea what your scores are like?

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 15:41:03 GMT

@jsucool76 wrote:
@Anonymous wrote:
@jsucool76 wrote:
Amex ED/EDP possibly?
I tried the prequalifying website everyday but I was never pre-qualified for anything ...
Doesn't mean you won't be approved. I wasn't prequalified for anything except my cap1 card. Any idea what your scores are like?

728 on Experian.

Re: New Credit Card suggestions?

Creditaddict — Sat, 30 Aug 2014 15:44:17 GMT

@Anonymous wrote:
@jsucool76 wrote:
@Anonymous wrote:
@jsucool76 wrote:
Amex ED/EDP possibly?
I tried the prequalifying website everyday but I was never pre-qualified for anything ...
Doesn't mean you won't be approved. I wasn't prequalified for anything except my cap1 card. Any idea what your scores are like?
728 on Experian.

don't think getting approved is an issue for you from Amex.

Re: New Credit Card suggestions?

youdontkillmoney — Sat, 30 Aug 2014 15:46:33 GMT

http://creditcards.citicards.com/usc/doublecash/2014/Aug/internal/default.htm?BT_TX=1&ProspectID=0ECD31A173864970AEA73AA8E2AD406D

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 15:47:42 GMT

@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
@Anonymous wrote:
@jsucool76 wrote:
Amex ED/EDP possibly?
I tried the prequalifying website everyday but I was never pre-qualified for anything ...
Doesn't mean you won't be approved. I wasn't prequalified for anything except my cap1 card. Any idea what your scores are like?
728 on Experian.
don't think getting approved is an issue for you from Amex.

I heard they're very sensitive on inquiries, my last inquiry was 2 days ago ... lol

Re: New Credit Card suggestions?

Creditaddict — Sat, 30 Aug 2014 15:48:29 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
@Anonymous wrote:
@jsucool76 wrote:
Amex ED/EDP possibly?
I tried the prequalifying website everyday but I was never pre-qualified for anything ...
Doesn't mean you won't be approved. I wasn't prequalified for anything except my cap1 card. Any idea what your scores are like?
728 on Experian.
don't think getting approved is an issue for you from Amex.
I heard they're very sensitive on inquiries, my last inquiry was 2 days ago ... lol

they are not

Re: New Credit Card suggestions?

jsucool76 — Sat, 30 Aug 2014 15:48:40 GMT

Worst they can do is say no...then you just wait it out.

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 15:58:55 GMT

@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.

I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?

Re: New Credit Card suggestions?

Creditaddict — Sat, 30 Aug 2014 16:04:17 GMT

@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?

give it a day

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 16:59:49 GMT

@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day

I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.

How long would this take? They told me I can send documents online but how?

Did I got denied?

Re: New Credit Card suggestions?

Creditaddict — Sat, 30 Aug 2014 16:59:29 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.

they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 17:09:28 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.
they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!

I'm over 22 ... do they consider my entire family income or just me myself? (I file tax return with family)

Re: New Credit Card suggestions?

Creditaddict — Sat, 30 Aug 2014 17:12:30 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.
they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!
I'm over 22 ... do they consider my entire family income or just me myself? (I file tax return with family)

how does one file jointly with family?

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 17:14:28 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.
they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!
I'm over 22 ... do they consider my entire family income or just me myself? (I file tax return with family)
how does one file jointly with family?

No idea, but my family always filed my tax return for me ... accountant and I never see any tax documents

Re: New Credit Card suggestions?

Creditaddict — Sat, 30 Aug 2014 17:15:52 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.
they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!
I'm over 22 ... do they consider my entire family income or just me myself? (I file tax return with family)
how does one file jointly with family?
No idea, but my family always filed my tax return for me ... accountant and I never see any tax documents

well amex will consider whatever is on those returns so you can sign it and worse case they give you lower limit

Re: New Credit Card suggestions?

joedtx — Sat, 30 Aug 2014 17:21:03 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.
they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!
I'm over 22 ... do they consider my entire family income or just me myself? (I file tax return with family)
how does one file jointly with family?

The only way that would come to mind is that the individual is a dependant living at home while going to college.

Re: New Credit Card suggestions?

Anonymous — Sat, 30 Aug 2014 17:24:02 GMT

@joedtx wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
@jsucool76 wrote:
Worst they can do is say no...then you just wait it out.
I've pulled the trigger got an "sorry ... difficulties with system" error and said they'll notify me via mail within 14 days.

Should I call the recon number?
give it a day
I just check the status, I got:

Thank you for applying for the Everyday Pref(R) Card. Before we can finish processing your application, we need to verify some information with you.

Please complete the following on the 4506-T form:

Complete lines 1 - 4 as instructed.
In line 6, please request tax form "1040" and check the box at the end of line 6a.
In line 9, fill in the end date of your most recently filed tax return. Please note that your previous year's tax transcript will not be available from the IRS until August 1st of this year. To ensure prompt processing, please only request the most recent year available. (Ex: 12/31/20XX)
Please sign and date where indicated at the bottom of the page.
If you filed a joint tax return, please ensure that your spouse has also signed the signature block.
To ensure timely processing please print clearly.
Please note that you do not need to reveal alimony, child support or separate maintenance if you do not want this considered in this application.
they want to see income that supports your $50k+ limits before they will issue a limit that high... it is a great thing if you can prove the income because you will probably get an amazing limit with amex!
I'm over 22 ... do they consider my entire family income or just me myself? (I file tax return with family)
how does one file jointly with family?
The only way that would come to mind is that the individual is a dependant living at home while going to college.

My home's in NY but I go to college in MA lol

Nope I don't live at home and go to college ...