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Thank you for those links and numbers! I called the chase number too late, so I'll find out tomorrow what is going on with the Chase accounts. I did discover that I was approved for the AMEX.
As to why the Venture card. I wanted a card that had a solid rewards program that didn't have foreign transaction fees. The Venture gives me 2 cents per dollar, and since I travel often enough for work (reimbursed) I never want for possible redeption options. I debated (and still might) the US Bank Cash+ since I have a US Bank account. But it has foreign fees, and I know that tweaking my catagories around would annoy me at some point.
Should have mentioned that I have one cleared morgage on my CR, as well as a current morgage and student loans all without any marks or negitive dings and a longish history so that is probally why I qualify for the high limit cards.
Again, thanks to everyone who replied. While I did try to do a bunch of research ahead of time. It's always nice to get help/advice from the people who know more than I do. *grin*
wow!
A 809 fico right after a BK fell off!
I wonder if that is a record.
Impressive score since you had a BK.
Nothing Newbie about it....
@bradpitt wrote:wow!
A 809 fico right after a BK fell off!
I wonder if that is a record.
Impressive score since you had a BK.
Nothing Newbie about it....
Thanks! I was a bit surprised myself.
Just to toot my own horn, the feat that impressed me even more was when I qualifed for a 100% morgage a year after I filed. I managed to get my score back up to 640, and of course, that was when they would give a 100% home loan to anyone. Getting that score up to 640 was a challange, I opened up the Household bank card that I still have right after I filed, and I also got myself put on as an authorized user for my friend's CC with a 10 year history. While I am certainly a newbie compared to many of this board, I sort of enjoy the credit reporting game in my own perverse fashion.
@Anonymous wrote:Thank you for those links and numbers! I called the chase number too late, so I'll find out tomorrow what is going on with the Chase accounts. I did discover that I was approved for the AMEX.
As to why the Venture card. I wanted a card that had a solid rewards program that didn't have foreign transaction fees. The Venture gives me 2 cents per dollar, and since I travel often enough for work (reimbursed) I never want for possible redeption options. I debated (and still might) the US Bank Cash+ since I have a US Bank account. But it has foreign fees, and I know that tweaking my catagories around would annoy me at some point.
Should have mentioned that I have one cleared morgage on my CR, as well as a current morgage and student loans all without any marks or negitive dings and a longish history so that is probally why I qualify for the high limit cards.
Again, thanks to everyone who replied. While I did try to do a bunch of research ahead of time. It's always nice to get help/advice from the people who know more than I do. *grin*
I have found that the US Bank travel rewards card has really good rewards, but yes as you mentioned it has FTF's. They make a no FTF version if you are with the private bank.
Chase also has some good cards with no FTF"s, such as the Chase Saphire Preferred, Marriot rewards, Hyatt, and a few others.
I am just not a fan of crap1. I hope they treat you well. Just keep in mind that other banks with better customer service will offer some good cards as well.