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I'm Pre-Approved!!!!!

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j_casteel
Valued Contributor

Re: I'm Pre-Approved!!!!!


@Anonymous wrote:
I heard you can ask for a monthly fee increase every 6 months.

one of the exclusive cardmember bennies they offer

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 11 of 25
LS2982
Mega Contributor

Re: I'm Pre-Approved!!!!!


@j_casteel wrote:

@Anonymous wrote:
I heard you can ask for a monthly fee increase every 6 months.

one of the exclusive cardmember bennies they offer


They also call your other creditors on the "down low" and tell them how much of a wonderful monthly fee payer every month in hopes they will adapt the same policies!!

 

AWESOME!!!

 




EQ FICO 548 3/3/16
Message 12 of 25
jamesdwi
Valued Contributor

Re: I'm Pre-Approved!!!!!


@Anonymous wrote:
I heard you can ask for a monthly fee increase every 6 months.

+10 LOL haha

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 13 of 25
Anonymous
Not applicable

Re: I'm Pre-Approved!!!!!

Highway robbery!
Message 14 of 25
myjourney
Super Contributor

Re: I'm Pre-Approved!!!!!

So after the monthly fees, gas and other incidentails....your purchasing power is 1 pkg of bubble gum per month? 

Sounds like the Godfather they made you a deal you can't refuse! 

How in the world can you pass on a deal like that and live to tell about it? Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 15 of 25
Anonymous
Not applicable

Re: I'm Pre-Approved!!!!!

I guess I have a lot to learn.. I love my First Premier Card
Message 16 of 25
Anonymous
Not applicable

Re: I'm Pre-Approved!!!!!

It is very thoughtful of them to keep me supplied with paper goods to help start my fireplace on those cold days when I need a little extra warmth while I organize my other credit card statements. Smiley Happy

Message 17 of 25
p-
Valued Contributor

Re: I'm Pre-Approved!!!!!


@Anonymous wrote:
I guess I have a lot to learn.. I love my First Premier Card

I always think of subprime cards like the 300 dollar piece of carp Duster I drove in high school.  Back then, just having a car was a major plus.  Now, my standards have gone up a bit. 

 

Same with credit cards.  From the point at which you're happy just to have one, anything looks good.  But when your options expand, your standards go up.

 

I call it Last Call Romeo Syndrome - variable standards based on perspective.  :-D

Message 18 of 25
p-
Valued Contributor

Re: I'm Pre-Approved!!!!!

I sure was excited about my 300 dollar Orchard card, 79 dollar annual fee and all.  With the app fee I think I was at 50% util before I ever swiped it.

Message 19 of 25
Anonymous
Not applicable

Re: I'm Pre-Approved!!!!!

At least the card grows with you, in fees.

Message 20 of 25
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