Hot, Easy to get card??

[Anonymous]

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@MidnightVoice wrote:
Right now I would describe Amex as very hot, as it is probably going to burn you 

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SO TRUE!!

[Anonymous]

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@MidnightVoice wrote:
Right now I would describe Amex as very hot, as it is probably going to burn you 

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He said excitement not terror.

[Creditaddict]

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@score_building wrote:

ooh wow, ok, didn't know that...have they since tightened like nearly everyone else?

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Well I have heard they are questioning people why they are applying for the card now if they have never bought anything from Cabela's before, but does not sound very hard to get past that, order up some flashlights or something and apply for the card to pay for your purchase!

[Anonymous]

Actually it"s been a while since i been here,and i hope you all are doing well

[haulingthescoreup]

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Creditaddict wrote:
The only feel good I get from paying credit cards is if I can click PAY IN FULL!! which I have been doing 1 month, but I'm almost out of small ones, so it's going to move to about 1 every 3 months, and then 1 every 6 months as the balances get bigger, but it's my goal in 2009 to get myself out of line of fire from these banks with all this debt!

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(emphasis mine)

Umm, why are your balances getting bigger? Wouldn't it be a more productive use for all this energy to make them get smaller?

[Creditaddict]

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@haulingthescoreup wrote:

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@Creditaddict wrote:
The only feel good I get from paying credit cards is if I can click PAY IN FULL!! which I have been doing 1 month, but I'm almost out of small ones, so it's going to move to about 1 every 3 months, and then 1 every 6 months as the balances get bigger, but it's my goal in 2009 to get myself out of line of fire from these banks with all this debt!

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(emphasis mine)

Umm, why are your balances getting bigger? Wouldn't it be a more productive use for all this energy to make them get smaller?

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SORRY, that wasn't clear, I mean as I work on the bigger cards, the balances are higher, not that I'm making them bigger. Right now I'm paying cards off with like 2k on them, then next is the 5k cards, then the 10k cards and so on.

[haulingthescoreup]

Oh, OK, gotcha. Higher balances on higher CL cards.

whew!

[oracles]

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@haulingthescoreup wrote:
Oh, OK, gotcha. Higher balances on higher CL cards.

whew!

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That was a close one.

you almost got Mother HTSU upset lol

[valley_man0505]

Apparently, the Cabelas wave is over.  I just apped with an EQ 663 (pulled right before apping) and an income of $85,000.  I had seen it posted somewhere that they needed at least a 640, but I got denied for having a collection (almost 6 years old) and high UTL.  I tried to call to get a recon, but they said the decision is made electronically and there is no way to override it (I doubt that).

[oracles]

High util% will almost certainly get you a denied.

Sorry you did not get it but get your util% down and wait a year to get the CA off and you are good.

Message Edited by oracles on 01-26-2009 01:36 PM