For those that think 850 gets you every card

[JoeRockhead]

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@Meanmchine wrote:

My biggest pet peeve is when someone is planning their "app spree" on their Ch7 discharge date.

My second pet peeve is watching someone 200 points below me getting higher Cap1 limits then I have

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I can relate, and understand your frustration. Perhaps you just need something to brighten your day.... IDK, something like the fact that the Cowboys have been eliminated for 25 straight years. Sorry, off topic but couldn't resist as I know you experience great joy in such things. 

[Rogue46]

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@Meanmchine wrote:

My biggest pet peeve is when someone is planning their "app spree" on their Ch7 discharge date.

My second pet peeve is watching someone 200 points below me getting higher Cap1 limits then I have

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I hear you sometimes none of this makes any sense. I especially love the whole part about having zero balances on everything and they penalize you 20 points...

[M_Smart007]

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@Meanmchine wrote:

My biggest pet peeve is when someone is planning their "app spree" on their Ch7 discharge date.

My second pet peeve is watching someone 200 points below me getting higher Cap1 limits then I have

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Only two pet peeve's?  ....I think you are not feeling well

May the odd's be ever in your favor!

[Meanmchine]

And the hits just keep on coming

Opened A Regions Bank checking account so I could check for credit card offers

Alexa   .... set reminder to close checking account

[Meanmchine]

I give up

Apped for PNC Cash Rewards Visa

OOPSIE

No alerts so far so I checked EQ an EX.  Both open

TU <Frozen>

I made a boo boo

[800wannabe420]

As a rule, I don't usually put much stock in advice from celebrities. 

However, sometimes when I'm feeling particularly taken for granted, under appreciated or just genuinely perplexed at how things work, I often think of this:

"Life's tough, get a helmet " - Jennifer Aniston 

[M_Smart007]

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@800wannabe420 wrote:

As a rule, I don't usually put much stock in advice from celebrities. 

However, sometimes when I'm feeling particularly taken for granted, under appreciated or just genuinely perplexed at how things work, I often think of this:

"Life's tough, get a helmet " - Jennifer Aniston 

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@800wannabe420, That quote leads to this pic.

[CreditCuriosity]

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@DEITY_of_Credit wrote:

This amazing thread has literally outlined and defined how the world of credit and banks operate. Some with moderate to high incomes don't have enough available credit, even requesting a CLI would get a quick denial. Just the other day someone just got approved for a Venmo card for 17K, within 6 months of BK7 Discharge. 

Legacy banks have to operate more like the CU's, where they hand out bigger starting CL's, and not those low ball SL's. When Amazon announced it was pulling the Amazon credit card portfolio from JPMChase, Chase quickly raised everyone's limits to 15K to 30K's. I bet this is the exact scenario Walmart is going through with Cap One.

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Banks need to blacklist for life until(like cu's do) until made whole as well then if they were to give out limits like CU's and also ask for POI.  As a shareholder of banks I don't support giving out huge lmits without checks/balances in place hence why partial bank failures this year although not related to lending, but other policies or lack there of.  Least my take on it.  

[CreditCuriosity]

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@Meanmchine wrote:

I give up

Apped for PNC Cash Rewards Visa

OOPSIE

No alerts so far so I checked EQ an EX.  Both open

TU <Frozen>

I made a boo boo

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PNC pulls EXP..   Should see an alert on that if applied.  Mine went to review about 3-4 years ago then called UW and answered few questions then approved

[Meanmchine]

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@CreditCuriosity wrote:

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@DEITY_of_Credit wrote:

This amazing thread has literally outlined and defined how the world of credit and banks operate. Some with moderate to high incomes don't have enough available credit, even requesting a CLI would get a quick denial. Just the other day someone just got approved for a Venmo card for 17K, within 6 months of BK7 Discharge. 

Legacy banks have to operate more like the CU's, where they hand out bigger starting CL's, and not those low ball SL's. When Amazon announced it was pulling the Amazon credit card portfolio from JPMChase, Chase quickly raised everyone's limits to 15K to 30K's. I bet this is the exact scenario Walmart is going through with Cap One.

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Banks need to blacklist for life until(like cu's do) until made whole as well then if they were to give out limits like CU's and also ask for POI.  As a shareholder of banks I don't support giving out huge lmits without checks/balances in place hence why partial bank failures this year although not related to lending, but other policies or lack there of.  Least my take on it.  

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Personally, Im not afraid of POI requests cause Ive never gotten one LOL. 

@M_Smart007   Where is AJC ?  Havnt seen him.  Hope he is ok