Reached My $20,000 Credit Limit Goal!!

[Anonymous]

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@Itsmeagain wrote:
DI, Keep a close eye on your Discover closing date and due date.  They are known to change the due date without notice.  I'm not sure why they do this but it caused me to show a balance one month, when I (like you), always PIF before the statement drops.

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My Discover due date and statement date have never changed. Some accounts were changed on a one time basis - with notice (that you may not have seen) - to bring them into alignment with the cardholder agreement. Discover does not flop around as say BofA does. Their statement/due dates are different every month!

[Anonymous]

My Discover due date and statement date have not changed once either. 

It is one of the few CCs I have which does not.

[daisyduke]

This is great - congrats to you!

[DI]

I'm still waiting for approval from PenFed, Juniper and Chase.  I hope they give me a credit limit totaling $10,000.

[daisyduke]

DI - may I ask...did you have an apping strategy? like you knew how many inquries on each report...etc?

Just curious. Congrats on all those great lines of credit.

[DI]

Thanks!  My only strategy was to force each creditor to pull my Equifax report.  I placed a freeze with all 4 CRAs. I unlocked the freeze with EQ temporarily.  All the creditors who approved me puledl my EQ report. My EQ report only had 2 inquiries after successfully getting 10 inquiries deleted over the summer. 

Message Edited by DI on 09-14-2009 02:14 PM

Message Edited by DI on 09-14-2009 02:14 PM

[daisyduke]

that's awesome! maybe when I apply for one more card, i will use the same strategy. EX is still on ice, but I unlocked EQ. Not sure if TU unfroze or not...

thanks for the info....

[Anonymous]

App sprees are not for the faint hearted. Be sure to have a well defined purpose and a strategy before engaging in same. Once executed you will be done app'ing for a while and your AAoA will be diminished. Be prepared for that.

[DI]

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@daisyduke wrote:

that's awesome! maybe when I apply for one more card, i will use the same strategy. EX is still on ice, but I unlocked EQ. Not sure if TU unfroze or not...

thanks for the info....

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If you are not sure which report a creditor pulls, have a freeze on all but one report.  When you start apping those who don't pull the report of your choice you can just forget about them and keep applying.  Some will just simply deny you instantly if they can't access the report they want, or may just send you a letter.  That is the best strategy.

[DI]

My goal now is to have 12 cards.  One for each month in the year.