No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Congrats CIC
Nicely done
Wow that's great. Now your lineup's not only great for spend but it also looks really sharp.
Nice work all around!
@Anonymous wrote:
@minski wrote:
@Nostradamuz wrote:I want that card too
hehe. Me too. Ever since I learned about it years ago, I had been contemplating moving up there for a year or so to be eligible for it.
It's not a normal geofence, it's a SEG geofence. You would have to actually work for one of the employees to get in.
"PCM Credit Union is a SEG-based credit union, open exclusively to our “Select Employee Groups” (partnering companies) and their family members."
I know. I'm a healthcare worker. I would try to get a job at the hospital listed there.
@minski wrote:I know. I'm a healthcare worker. I would try to get a job at the hospital listed there.
Thanks @Meanmchine and @Hex!
@minski stay strong out there!
Damnnn @credit_is_crack!! Congrats
How did you get so many cards and limits? I'm trying to build up my stach of cards (7 now) but I'm scared of inquiries. Any guide you can recommend on how to build tons of applications?
I'm currently sitting on 815 fico credit score. Looking to take advantage. Thanks!
Well the card looks hella nice to me!!
Congratulations @credit_is_crack
Nice pick up. Good to see you're still
hitting homers when you swing the bat.
Enjoy it,
Cheers
Well done, I'm also jealous lol
@Neiltyson wrote:Damnnn @credit_is_crack!! Congrats
How did you get so many cards and limits? I'm trying to build up my stach of cards (7 now) but I'm scared of inquiries. Any guide you can recommend on how to build tons of applications?
I'm currently sitting on 815 fico credit score. Looking to take advantage. Thanks!
Thanks @Neiltyson!
As far as how I built up my lineup, it started out as me just applying for whatever looked good without knowing any better -- mainly what I did before I found this site a few years ago. After reading endlessly on here I started figuring out "the game" and applying more strategically (learning what my overall profile looked like to banks, learning how different banks were sensitive to different things, understanding how to "put my best foot forward" by applying for cards that both made sense for me (or out of pure vanity - guilty! lol) that seemed to lend itself to an approval. It's not always about never getting denied, but rather trying to only apply where you see your odds are favorable.
I've focused a lot more on getting in with the major banks and just continuing to grow them, but slow and steady is the name of the game. I learned that the hard way and took me about 18mo to recoup from it; it's certainly not something you want to do overnight. There are tons of valuable members on here who share an infinite amount of info so I'd say, start with a card your interested in, then just start searching on here for everything you can find on that card and that bank. You have a solid score, but in the current climate that won't carry you far. It will get your app reviewed, but you have to factor in your income, lenght of credit, how much available credit you already have, how much debt you have on those cards (and overall debt when it comes to credit union apps), and other things.
If you're not sure "where you stand", you can always share your data points on here to get feedback/advice from some of our veterans to see if you're taking a high or low risk. In time, you start to see the trends and then the approvals just start rolling in.
In this current climate, I would avoid being hungry and serial-apping, it could very well bring more harm than reward. GL to you and thanks again!
@UH_HUH wrote:Well the card looks hella nice to me!!
Congratulations @credit_is_crack
Nice pick up. Good to see you're still
hitting homers when you swing the bat.
Enjoy it,
Cheers
Thanks @UH_HUH! and it's good to hear from you! I've been really easing up on the apps as I'm really nearing my 'ultimate cashback lineup', but I'm still on the hunt. I actually found a card from a CU a few days ago that I'm going to see if I can get my hands on. It's a true 5% cash back travel card (all hotels and airfare) year round. No AF which is awesome for a 5% card. We'll see if I can get my foot in that door! Stay good out there!