99/500 up for review. What should I do??

[Anonymous]

I just talked with a CSR and ws told my account is marked to be reviewed to unsecure in two weeks.  I currently have a balance of $134 which was charged after the statement cut. 

Should I pay this or leave it alone?

I've PIF'd a couple of times.  I always pay more than the minimum and payments were general made as soon as I noticed the statement cut.

TIA.

[Anonymous]

what month did u get it last year.

[oracles]

Hi lawskool

If you can pay it off, then why wait, do it now. you have to pay it anyway.

I do also think they will look at your history and will approve you.

Hope this helps and keep us updated

[Anonymous]

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@Anonymous wrote:
what month did u get it last year.

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I got mine in March of 2008.

I was asking about paying because I JUST paid my bill at the end of Jan for Feb.  If you think it will help, I'll certainly do so.

Thanks for the replies.

[Anonymous]

i got mine in may 2008 good luck..keep us updated looks like your at 10 months

Message Edited by maxima1 on 02-03-2009 04:25 PM

Message Edited by maxima1 on 02-03-2009 04:26 PM

[llecs]

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lawskool09 wrote:

I just talked with a CSR and ws told my account is marked to be reviewed to unsecure in two weeks.  I currently have a balance of $134 which was charged after the statement cut. 

Should I pay this or leave it alone?

I've PIF'd a couple of times.  I always pay more than the minimum and payments were general made as soon as I noticed the statement cut.

TIA.

---

I was in the same position when mine went unsecured. I knew it was coming, so from month #7 on I kept the balance at $0 and would use only a little and PIF. When it unsecured, I did not get a CLI. However, my overall util was a wee bit toooo high then (60% plus). Now I haven't bothered to call them, but I did request a CLI online after I received the check from them and was denied.

[Anonymous]

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@llecs wrote:

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@Anonymous wrote:

I just talked with a CSR and ws told my account is marked to be reviewed to unsecure in two weeks.  I currently have a balance of $134 which was charged after the statement cut. 

Should I pay this or leave it alone?

I've PIF'd a couple of times.  I always pay more than the minimum and payments were general made as soon as I noticed the statement cut.

TIA.

---

I was in the same position when mine went unsecured. I knew it was coming, so from month #7 on I kept the balance at $0 and would use only a little and PIF. When it unsecured, I did not get a CLI. However, my overall util was a wee bit toooo high then (60% plus). Now I haven't bothered to call them, but I did request a CLI online after I received the check from them and was denied.

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Good to know.  My util is around 24%.  I just want the darn thing to unsecure, but I do hope for a CLI.  I need some way to lessen the pain of the $900 CLD from Amex.  So far, it hasn't hurt..

[oracles]

Just a reminder to Lawskool and llecs

You should do a product change after you get the card unsecured. Many people have discussed never receiving a cli on their card. Once they did a product change to another card, they were able to get frequent cli's and a nice higher limit.

llecs, since yours has already unsecured, you should definitely try this.

Keep us updated

[llecs]

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oracles wrote:

llecs, since yours has already unsecured, you should definitely try this.

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I'd agree with you, but the 99/500, now unsecured , card I have isn't offered via their website and is a monthly cash-back CC w/ 0% APR (for the first yr).

[oracles]

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@llecs wrote:

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@oracles wrote:

llecs, since yours has already unsecured, you should definitely try this.

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I'd agree with you, but the 99/500, now unsecured , card I have isn't offered via their website and is a monthly cash-back CC w/ 0% APR (for the first yr).

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Oh very cool, i guess after the first year,maybe you want to do a PC.