topic Re: Go home Credit Sesame, you're drunk! in Rebuilding Your Credit

Go home Credit Sesame, you're drunk!

Anonymous — Thu, 20 Oct 2016 15:13:51 GMT

CS is trying to convince me that my approval odds are good for a VentureOne card, when my scores are currently sub 600.... LOL.

Re: Go home Credit Sesame, you're drunk!

MugenCivicSi83 — Thu, 20 Oct 2016 15:26:15 GMT

My credit report looked like this yesterday and I don't know how I was approved for all of what I got approved for. Blows my mind.

2 collections PIF

1 30 day late

30% UTI

$12,500 TCL-Across 7 cards. Highest CL was $2.5k on a retail card:Nordstrom. Highest CL on a credit card: $2k:Chase Freedom

Highest Balance: $4,187/$4,187 on Jared CC

$65k student loans -in deferment

$18.7k car loan

EQ-681 TU-697 EX-701

App'd yesterday and approved for all:

Cap One QS1: $3k CL - No FTF

Discover IT: $4.5k CL - No FTF

Barclay Arrival +: $3k CL - No FTF

Chase Freedom: $2k to $3.5K SP CLI

AMEX Gold Premier: NPSL - No FTF

Barclay Apple Rewards: $2k CL

Fidelity Visa Signature: $7.5k CL - 1% FTF

No FTF's just in time for my move to work in Switzerland!

Re: Go home Credit Sesame, you're drunk!

Anonymous — Thu, 20 Oct 2016 17:23:07 GMT

@Norman maybe the criteria for prequal was set alphabetically and N came up😂

It's that time of year where the nets for app quotas might be thrown far and wide

And

@Mugen
Congratulations
7 apps

Did you apply in the order you listed?
And were you thinking of a goal or just doing a bucket list, just curious why 7 and those 7 in particular?

Btw enjoy the Switzerland trip.

Re: Go home Credit Sesame, you're drunk!

MugenCivicSi83 — Thu, 20 Oct 2016 18:04:38 GMT

@Anonymous wrote:
@Anonymous maybe the criteria for prequal was set alphabetically and N came up😂

It's that time of year where the nets for app quotas might be thrown far and wide

And

@Mugen
Congratulations
7 apps

Did you apply in the order you listed?
And were you thinking of a goal or just doing a bucket list, just curious why 7 and those 7 in particular?

Btw enjoy the Switzerland trip.

All were done in that order and strategically. See explanations below.

App'd yesterday and approved for all:

Cap One QS1: $3k CL - No FTF -

I opened a Capital One 360 Checking Account and deposited $5k cash from my Chase bank. Capital One 360 debit card has No FTF. I figured then I should check Cap1 Prequal site and was prequal'd for QS1. So I then applied and was approved for $3k immediately. Since my wife and I are moving to work in Switzerland in December, this all couldn't have come at a more perfect time. I just sold my house and have cash reserves as does she from selling her business. We will use this card heavily in the first month we are there to furnish our new residence in Switzerland as the rewards are 1.5% cash back. I am building my credit so this is a good start. We make $180K between the 2 of us. My career: 12 years in SAP.

Discover IT: $4.5k CL - No FTF

Again, we will use heavily as we are moving abroad for work. The card speaks for itself I believe. AND NO FTF!

Barclay Arrival +: $3k CL - No FTF

Will use heavily in first 90 days to get to $3000 spend for the 50,000 miles reward since we will be flying back and forth between Switzerland and the U.S. NO FTF!

Chase Freedom: $2k to $3.5K SP CLI

First ever CLI request. Tried upgrading to CSP on 9/15/16 but declined due to derogs that have since fallen off. Will use this card to pay student loans and use my Chase bank to pay off this card while i'm overseas. My ONLY US based branch bank. Closed my Wells Fargo Accounts after selling my house and transferred funds to Chase. DID NOT Close my WF Platinum Card and did not request CLI on it as I won't use it. I'll wait for WF to close it due to inactivity. Will not use Chase Freedom while overseas for any transactions there since it has a FTF.

AMEX Gold Premier: NPSL - No FTF

Prequal'd on website. $0 fee first year : $195 after. Will wait til right before fee hits to call and 'cancel' and have them waive the $195 fee 25,000 miles with $2k spend in first 90 days. Again, won't be hard to get to in Switzerland with the move. Linked Chase Bank Account to this card already.

Barclay Apple Rewards: $2k CL

This one was a WTH kind of app like, My wife and I need a new laptop for overseas, and I'm an apple guru so...I app'd, 18months no interest. New Macbook pro here I come. 3 points per $1. $25 apple store card per 2500 points. Looking to get iphone 7 too before we leave....have had the 6 since i preordered it.

Fidelity Visa Signature: $7.5k CL - 1% FTF

I have a Fidelity retirement account that I just opened last month. I though WTH this looks like a good card to have in my portfolio. %1 FTF is not bad considering most cards are 3% FTF. Rewards go straight into my retirement funds!

Re: Go home Credit Sesame, you're drunk!

Anonymous — Thu, 20 Oct 2016 19:03:37 GMT

@MugenCivicSi83 wrote:
My credit report looked like this yesterday and I don't know how I was approved for all of what I got approved for. Blows my mind.

2 collections PIF
1 30 day late
30% UTI
$12,500 TCL-Across 7 cards. Highest CL was $2.5k on a retail card:Nordstrom. Highest CL on a credit card: $2k:Chase Freedom
Highest Balance: $4,187/$4,187 on Jared CC
$65k student loans -in deferment
$18.7k car loan
EQ-681 TU-697 EX-701

App'd yesterday and approved for all:
Cap One QS1: $3k CL - No FTF
Discover IT: $4.5k CL - No FTF
Barclay Arrival +: $3k CL - No FTF
Chase Freedom: $2k to $3.5K SP CLI
AMEX Gold Premier: NPSL - No FTF
Barclay Apple Rewards: $2k CL
Fidelity Visa Signature: $7.5k CL - 1% FTF

No FTF's just in time for my move to work in Switzerland!

680+ across the board, with only one late and low UTI - I would expect to see a lot of approvals... Grats!

Re: Go home Credit Sesame, you're drunk!

Anonymous — Thu, 20 Oct 2016 19:08:08 GMT

@MugenCivicSi83 wrote:
@Anonymous wrote:
@Anonymous maybe the criteria for prequal was set alphabetically and N came up😂

It's that time of year where the nets for app quotas might be thrown far and wide

And

@Mugen
Congratulations
7 apps

Did you apply in the order you listed?
And were you thinking of a goal or just doing a bucket list, just curious why 7 and those 7 in particular?

Btw enjoy the Switzerland trip.
All were done in that order and strategically. See explanations below.

App'd yesterday and approved for all:
Cap One QS1: $3k CL - No FTF -
I opened a Capital One 360 Checking Account and deposited $5k cash from my Chase bank. Capital One 360 debit card has No FTF. I figured then I should check Cap1 Prequal site and was prequal'd for QS1. So I then applied and was approved for $3k immediately. Since my wife and I are moving to work in Switzerland in December, this all couldn't have come at a more perfect time. I just sold my house and have cash reserves as does she from selling her business. We will use this card heavily in the first month we are there to furnish our new residence in Switzerland as the rewards are 1.5% cash back. I am building my credit so this is a good start. We make $180K between the 2 of us. My career: 12 years in SAP.

Discover IT: $4.5k CL - No FTF
Again, we will use heavily as we are moving abroad for work. The card speaks for itself I believe. AND NO FTF!

Barclay Arrival +: $3k CL - No FTF
Will use heavily in first 90 days to get to $3000 spend for the 50,000 miles reward since we will be flying back and forth between Switzerland and the U.S. NO FTF!

Chase Freedom: $2k to $3.5K SP CLI
First ever CLI request. Tried upgrading to CSP on 9/15/16 but declined due to derogs that have since fallen off. Will use this card to pay student loans and use my Chase bank to pay off this card while i'm overseas. My ONLY US based branch bank. Closed my Wells Fargo Accounts after selling my house and transferred funds to Chase. DID NOT Close my WF Platinum Card and did not request CLI on it as I won't use it. I'll wait for WF to close it due to inactivity. Will not use Chase Freedom while overseas for any transactions there since it has a FTF.

AMEX Gold Premier: NPSL - No FTF
Prequal'd on website. $0 fee first year : $195 after. Will wait til right before fee hits to call and 'cancel' and have them waive the $195 fee 25,000 miles with $2k spend in first 90 days. Again, won't be hard to get to in Switzerland with the move. Linked Chase Bank Account to this card already.

Barclay Apple Rewards: $2k CL
This one was a WTH kind of app like, My wife and I need a new laptop for overseas, and I'm an apple guru so...I app'd, 18months no interest. New Macbook pro here I come. 3 points per $1. $25 apple store card per 2500 points. Looking to get iphone 7 too before we leave....have had the 6 since i preordered it.

Fidelity Visa Signature: $7.5k CL - 1% FTF
I have a Fidelity retirement account that I just opened last month. I though WTH this looks like a good card to have in my portfolio. %1 FTF is not bad considering most cards are 3% FTF. Rewards go straight into my retirement funds!

Wish I had your income... I'd have a lot fewer problems in my life!

Re: Go home Credit Sesame, you're drunk!

MugenCivicSi83 — Thu, 20 Oct 2016 19:49:31 GMT

You may want my wife and my income, but you sure don't want our work schedule i'm sure 90 hours a week!

Re: Go home Credit Sesame, you're drunk!

Anonymous — Fri, 21 Oct 2016 01:15:00 GMT

I like CS because they notify of changes me before any other monitoring service I use, and there are several.

But yeah, they've got me at good odds CO Venture, Chase Slate, Barclays MC & Discover IT.

I'm not falling for it. I know I wound it get approved for any of those. Been denied by Barclays 3 times inlast year. Could only get an IT secured, waiting on it to graduate. I'm likely blacklisted with Chase due to burning them 7 yrs ago. Cap One won't even give me a CLI on my QS 1.

I am patiently waiting on all my baddies to fall off. Just a few more months & I'll be all clear!

Re: Go home Credit Sesame, you're drunk!

Anonymous — Fri, 21 Oct 2016 01:18:41 GMT

Forgive all the typos in my above post. Goodness.

Re: Go home Credit Sesame, you're drunk!

Anonymous — Fri, 21 Oct 2016 02:01:19 GMT

Very nicely played @Mugen very nice😃

And I will agree... you're darn right I don't want a have to 90hr work week😂

That's too much, like.....WORK, dude😭

Thank goodness for residual income....the whole speed up, chill for a while and still get paid fits my temperment much better...I'd never make it with have to work hours, so when said 90 I almost fainted😂

Again you and DW enjoy, thanks for sharing.

Re: Go home Credit Sesame, you're drunk!

MugenCivicSi83 — Fri, 21 Oct 2016 02:47:25 GMT

@Anonymous wrote:
@Very nicely played @Mugen very nice😃

And I will agree... you're darn right I don't want a have to 90hr work week😂

That's too much, like.....WORK, dude😭

Thank goodness for residual income....the whole speed up, chill for a while and still get paid fits my temperment much better...I'd never make it with have to work hours, so when said 90 I almost fainted😂

Again you and DW enjoy, thanks for sharing.

Thanks!

After we move to Switzerland our hours will go down drastically to 50-60 hours a week and we'll make 20% more on our income. We are 33 and 34 respectively. The only reason my hours are 90 is because after my paid job, I go to help my wife at her business. I work 8am to 10pm monday through friday 8 to 5 for my job and til 10pm helping out my wife...and then I help my wife saturday from 8am to 6 pm and sunday 10am to 4pm. We are moving for a better quality of life and to be closer to her family.

Re: Go home Credit Sesame, you're drunk!

Anonymous — Mon, 24 Oct 2016 12:51:33 GMT

Yeah... I think I'm getting a bit long in the tooth for those kind of hours. Back in 2013 I was working 12/12 shifts ten days on four off - that was bad enough....

Re: Go home Credit Sesame, you're drunk!

rmduhon — Mon, 24 Oct 2016 18:08:12 GMT

Hubby's job has hours that range from 4-10s to 7-16s. On the long stretches he gets the 14th day off due to safety regulations