@Imperfectfuture wrote:
@Anonymous wrote:
@Imperfectfuture wrote:
Well, I decided NASA not in the cards, instant approval for BCE, good luck everyone. (well, I might visit to post comments, but with 0% on everything for 15 months, this card wins). Later, might try for BBR.Imperfectfuture, NASA is just great for ultilzation so you can use more of your other cards. I'd wait for this before applying other cards for better chances in getting abetter rate on those cards with better limits. Its a soft pull anyway so applying others they will not see it and lets say your ultization right now 14% with NASA it can go down to 3% ! just be sure after 61 days having your American Express go and request a credit limit increase to 3x and will be approved with a soft pull if your credit profile has not changed negatively.
http://ficoforums.myfico.com/t5/Credit-Cards/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071
@I just read where someone who had limits of 10k ion other cards, only got 1k in NASA. I just got approved for 3500 on Amex BCE, a card I don't need to sock drawer. I was going to use some card to replace the legacy visa (sub prime @ 29.99% interest), and I know my experian was close to 700 or more.
My income (retired) doesn't warrant a 10k card. Amex will grow, and lead to better cards (think major banks). Since I already took the HP (had only 3 on EX, 2 when I moved over a year ago, and the default 3 pull from capital one), anther HP wasn't going to hurt.
All I wanted in limit from NASA was 2k or above. I'm fine (I've seen several others with $1k limits when they didn't have a quota to meet, but they are tightening up now).
I wouldn't have sock drawered, it would have been back up to my other rewards card. But I like what I have now, there's no going back, and my util BEFORE apping was 2%. Util I'm not apping for. Good luck, I hope you get your high limit.
Right... some of these myth is what gets people in credit card debt however what you have and how much you got have nothing to do with your credit profile. Its how you use it. Can't just think ''oh well i have a $10,000 card now maybe he'll give me more.'' no! no one has to give you more. They give you what they think you better handle until you can show them how you use their money. How i use american express does not show how i'll use your money. All it shows is i have a relationship and history with others now i have to start with you. thats why a lot my cards started me $300, $500. i work my way up with them. Same with all other creditors. No one is a fool (at least the banks aren't unless you want to bail them out again 
) Trust has to be earned.
@Anonymous wrote:
@Imperfectfuture wrote:
Well, I decided NASA not in the cards, instant approval for BCE, good luck everyone. (well, I might visit to post comments, but with 0% on everything for 15 months, this card wins). Later, might try for BBR.decided to cancel my re-finance ... wrote them a mesage. so now all i have is the Credit Card pending...
Good morning! (I'm always at my computer so message me here if you need)
i have paid everything in cash the past 10 years and never really established much credit and learned
to improve my credit profile to try to have a mix of credit so i added a small loan a year ago.
i can pay in full but am trying to use this loan to help build my credit profile but i saw a really good rate on your website lower than mine which made me curious if i could get a better rate or pay less than i am now BUT after i submitted the application i realize $10,000 / 36 months would not be much different than what I'm already paying now. Maybe i should have put 48 months.
So i think maybe i should cancel this Re-finance application and just let my current loan age. I only had it a year for this car. My other 2 cars are paid in full. If i ever think of getting another car i will try to remember to come back to NASA and maybe get a loan instead paying in full so i have some nice credit!
Thank you
xoxo
1998 Honda Prelude since 2003. (sold)2003 Audi TT since 2008.2005 Mercedes SLK350 since 2013.(i don't buy new cars - i think its a waste of money)
Did you check your experian report to confirm that the refinance was a soft pull? if not, can you please check and report back? 
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@xtdefy wrote:
@Anonymous wrote:
@Imperfectfuture wrote:
Well, I decided NASA not in the cards, instant approval for BCE, good luck everyone. (well, I might visit to post comments, but with 0% on everything for 15 months, this card wins). Later, might try for BBR.decided to cancel my re-finance ... wrote them a mesage. so now all i have is the Credit Card pending...
Good morning! (I'm always at my computer so message me here if you need)
i have paid everything in cash the past 10 years and never really established much credit and learned
to improve my credit profile to try to have a mix of credit so i added a small loan a year ago.
i can pay in full but am trying to use this loan to help build my credit profile but i saw a really good rate on your website lower than mine which made me curious if i could get a better rate or pay less than i am now BUT after i submitted the application i realize $10,000 / 36 months would not be much different than what I'm already paying now. Maybe i should have put 48 months.
So i think maybe i should cancel this Re-finance application and just let my current loan age. I only had it a year for this car. My other 2 cars are paid in full. If i ever think of getting another car i will try to remember to come back to NASA and maybe get a loan instead paying in full so i have some nice credit!
Thank you
xoxo
1998 Honda Prelude since 2003. (sold)2003 Audi TT since 2008.2005 Mercedes SLK350 since 2013.(i don't buy new cars - i think its a waste of money)
Did you check your experian report to confirm that the refinance was a soft pull? if not, can you please check and report back?
does not say refinance says 2 soft pulls oct 18