For an existing client regardless if it's with a BoA CC, deposit account, or a Merrill client no more than 6 cards across all issuers over the last 12 months but there can be a bit of wiggle room. ... View more

@TJN wrote: @coldfusion wrote: There is no single standard used with Chip & PIN implementations.   In some cases where a card supported both online and offline PIN verification - which I think the First Tech cards do - you could supposedly change your PIN by logging onto your online account and making the change; the next time you used the card at a terminal capable of performing the update you would enter the old PIN and the card would be updated with the new PIN for offline/ICC use.    I have a UNFCU Elite and have never tried to change the PIN, but when I use it in the US I do get prompted to enter it. So would a terminal capable of updating the PIN be an ATM then?     That's interesting that you get prompted for a PIN with your UNFCU card.  I'm curious why that is for your card but not for the FTCU card. If the FTCU card is truly PIN priority you'd think I would also be prompted to enter a pin just as you experience. Different implementations.   Not all Chip + PIN cards issued in the US support(ed) both online and ICC PIN and they don't all necessarily follow the same ordering of prioritzation between online PIN, offline PIN, and signature authorization.   As far as the ATM machine, it would depend on the machine and how it was programmed.   I don't even know whether First Tech still supports Chip + PIN either nor do I know how current the ENV CVM database is.  I know it took them quite a while to remove the Andrews FCU Titanium from that list after they discontinued issuing them with PIN support. ... View more

@SweetCreditObsession wrote: @eyarman128  - it's always a good idea to recon if you get a denial. It might be a simple reason that you could address. Go for it and please share the outcome. You need to be very specific about what you want and what they are actually doing for when requesting a recon with BoA; if you don't confirm that what they are in fact doing is transferring you to an analyst who will manually review your application and make a decision you risk just having a CSR submit a whole new application for the autobot to process and output a decision.   As for the OP, how many new credit cards from anybody has your wife been approved for over the last 12 months?  Since she doesn't have any open accounts with BoA, having opened more than 2 cards total in the last 12 months by default means an automatic denial. ... View more

I would not worry about potential backlash because you think you're making too many followup congratulations posts when someone is reporting good news, much like nobody should feel like their good news would be seen as being too trivial to share here.   Spending a few minutes browsing around the Approvals section of the forum should help convince members of my point ;-)   If there were a concern I'd expect that someone would reach out to you. ... View more

@Hoben02 wrote: For cashback it's hard to beat the bofa customized cash if you can reach platinum honors since it entitles you to a 5.25% return on the bonus category. I would say the travel category is the most inclusive of all the travel cards.   The caveat is that the card has a 3% FTF so for foreign travel the card would be useful for prepaid items like airline tickets bought and paid for beforehand in the US but not such a great choice for things like settling hotel bills upon checkout. ... View more

There is no single standard used with Chip & PIN implementations.   In some cases where a card supported both online and offline PIN verification - which I think the First Tech cards do - you could supposedly change your PIN by logging onto your online account and making the change; the next time you used the card at a terminal capable of performing the update you would enter the old PIN and the card would be updated with the new PIN for offline/ICC use.    I have a UNFCU Elite and have never tried to change the PIN, but when I use it in the US I do get prompted to enter it. ... View more

@butterpecan wrote: @805orbust wrote: Side note @coolandcalm this is why you should ALWAYS keep your reports frozen. All the time.  Need to app for something?  Just temporarily unfreeze (thaw) it and boom.  It's so easy to do honestly.  @805orbust Can I ask what is the difference between freezing them and locking them? I apologize if it seems like you would need to explain it to a 5 year old but whenever I Google it I only get an explanation on how to do it and not the real difference between the two. The most important difference is that a lock is in essense a private agreement between you and the CRA whereas a freeze is a regulatory construct imposed and enforced by laws so if a CRA screws up and inappropriately releases a frozen credit report they're more directly accountable to the government for it and you have more legal protections than with a locked file.   Insofar as usage it's easier and generally faster to unlock and relock a credit file than it is to thaw and then refreeze a credit file.   A side effect of the greater effort and time needed to freeze/thaw/freeze a file vs lock/unlock/relock is that freezing does tend to help curtail impulsive applications since you can expect to have to wait a bit for thaw requests to be executed.   There are a few other differences but those are 2 of the most important onces.    ... View more

Is that 2/6 also 2/12? The number of new accounts in the last 12 months is one of their metrics, and the threshold is different if you're an existing client vs. if you aren't. ... View more

@SouthJamaica wrote: @the0walrus wrote: I got denied for the venture card d/t "too many lines of revolving credit" I have 10 cards. I could have sworn someone else I read had about 20 and got this card. How many is too many for Capital One? Thanks! There is no such thing as too many lines of revolving credit. UMB has been known to deny applications for "EXCESSIVE REVOLVING CREDIT ACCOUNTS".    https://ficoforums.myfico.com/t5/Credit-Cards/DC-Power-VISA/m-p/5847677/highlight/true#M1687662 ... View more

@northway wrote: I have a number of fraudulent inquiries on my TU report. I sent a police report and FTC report along with the letter. TU confirmed receipt and basically told me to get ****ed, and that they're denying it under 605B(c). They said they'll only send a letter out to the lender to validate if they're willing to remove, which is complete nonsense and against 605B rules.   I'll get the CFPB and a lawyer on them if I have to. You don't need to wait, you're at the point where you can file a legitimate CFPB complaint immediately. ... View more

Chiming in that Vantage West tightened up on membership requirements a few years ago; they weren't particularly thrilled with becoming a MyFICO FOTM target and when the surge of applications tapered off they tightened things up with the georestriction.   As an aside is there a guess as to what the typical monthly spend on the card would roughly be and what is/are the biggest catetory/categories of spend? ... View more

Did you click through and apply? Inquiring minds want to know. ... View more

@butterpecan wrote:   I'm not sure what the Chase Credit Journey product is unless it is the free credit monitoring enrollment, if so I'll sign up. Thx! That's exactly what it is.  As @GatoradeZeroGuy mentioned one of the features of the tool is that Chase leverages it to extend targeted preapproval offers. ... View more

You shouldn't need to do anything for Chase to withdraw the 2nd inquiry (if they aren't asleep at the switch they'll catch the mistake and address it themselves) but as a CYA I'd send them a letter CMRR that summarizes everything you typed above and in closing request that they withdraw the 2nd inquiry.   If you didn't heard back from Chase or see that one of the inquiries was withdrawn within about 40 days the next step if you chose to escalate would be to file an online complaint with the FDIC, this would fall within their jurisdiction and not the CFPB. ... View more

@Mones wrote: That's true, I just need to wait for the card to report its new CL at the end of the month. By then I'll be at 6/24 though but I'm not sure how tight 5/24 is for the cobranded cards. Officially they use the same criteria for United and core cards, but there are multiple recent data points to suggest that at least in some cases Chase has been looking the other way re: 5/24 compliance. ... View more

@FireMedic1 wrote: HP's are the hardest thing to get removed. Take one you dont notice and call them and ask why its on your report. Hard pulls done without permissible purpose aren't that hard to get removed if you play by the rules, do your due diligence, and follow the right steps in the right order. BTDT more than once. ... View more

Find out what they are and why they are there before you try to dispute them with Transunion.  You may need to directly contact whomever it was that pulled your report to learn exactly why they did so.   Once you find out that information we can help you with specifics regarding best next steps.  The path you would take is different if there was fraud vs. a legitimate error.  TL;DR if there was fraud you'll be next filing police reports then disputing inquiries but if done in error you'll be first asking for the inquiries to be withdrawn and if they don't do so within a reasonable time frame you'll be filing a complaint with the appropriate government agency.   While you're at it get a (free) copy of your Lexis Nexis Consumer Report online and check it for errors.   It can take a couple of months to get this all straightened out. ... View more

Your odds would be poor but not nonexistent.  Occasionally someone is successful on their 2nd or even 3rd attempt at recon with Chase. If you're able to address/refute the concerns the analyst brought up during the 1st recon IMO there's no harm in trying again if you're willing to invest the time for the phone call. ... View more

The CSP, Explorer, and Quest each have a mininum $5K SL and I see you already have a Citi core card with CL > $5K. ... View more

That probably wouldn't be a dealbreaker for me but would definitely be annoying, probably less so for the Daily Advantage card as my yearly spend on groceries >> fuel. ... View more

@Horseshoez wrote: @coldfusion wrote: @Horseshoez wrote: @Tdatb64 wrote: I constantly see people crow about 2% or 3% cash back on gasoline but don't understand why. If you get 2% cash back on $3.00 per gallon gas that's 6 cents a gallon. 3% yields 9 cents. Since most gas stations charge 10 cents a gallon to use credit a credit transaction is usually a net loss over a cash one any time gas isn't severely overpriced. I just can't see the logic behind a money-loss rewards structure like that. Why do it? A credit card surcharge is a state by state thing (or often a station by station thing); over the last few months I've visited 11 states and not one station had a surcharge on credit card usage for gas.  In July I'll be visiting two Canadian provinces as well as adding another 3 states to the list I've visited this year; it will be interesting to see if I find one of the states (or provinces) where there is a surcharge. Surcharges/"cash discounts" are common in metro Boston but there are some stations with competitive pricing (like the Prime Energy chain) that don't use them. Interesting, I live less than 40 miles north of Boston, and visit Boston on a regular basis, and I don't think I've ever seen a station with a credit card surcharge. Here's an example,  the station is on Rte 1 northbound just north of the interchange with Rte 128/I-95. The "Offers cash discount" flag is accurate.   That stretch of road is convenient for anyone heading toward Portsmouth or Maine and pricing among the various stations is competitive.     ... View more

@FireMedic1 wrote: I am a Gas Buddy Fan. Three jobs i go thru some gas. I go the station. Got the Gas Buddy Card linked to my checking. Pull in. Activate. Enter card. Enter PIN. And the savings is auto taken out of my account even though the pump has the listed price. Instant e-mail what was saved. $111 saved this year alone on gas. +1 for Gas Buddy,  one of their former execs and I go back a ways. ... View more

@Horseshoez wrote: @Tdatb64 wrote: I constantly see people crow about 2% or 3% cash back on gasoline but don't understand why. If you get 2% cash back on $3.00 per gallon gas that's 6 cents a gallon. 3% yields 9 cents. Since most gas stations charge 10 cents a gallon to use credit a credit transaction is usually a net loss over a cash one any time gas isn't severely overpriced. I just can't see the logic behind a money-loss rewards structure like that. Why do it? A credit card surcharge is a state by state thing (or often a station by station thing); over the last few months I've visited 11 states and not one station had a surcharge on credit card usage for gas.  In July I'll be visiting two Canadian provinces as well as adding another 3 states to the list I've visited this year; it will be interesting to see if I find one of the states (or provinces) where there is a surcharge. Surcharges/"cash discounts" are common in metro Boston but there are some stations with competitive pricing (like the Prime Energy chain) that don't use them. ... View more

In other words, they can/t/don't/won't automatically credit a reward so that the account would potentially show a negative balance?  That's something that the AOD Visa does; if there's a negative balance on the account at statement closing time the card will be reported as with a $0 balance.       ... View more

@Tcal wrote:   Like for all I know they might consider something like 10/24  'LOL' level. There was never any formal exact figure or defined threshold that I can remember, but historically among churners it inferred a range that was higher than that.  Nowadays as the term has been more widely adopted there's even less of a consensus as to what LOL/24 actually implies.   5 years ago I used to consider it as somewhere in the 20/24 range but in the current economic climate and the enhanced scrutiny on applicants current financial postures and increased sensitivity to potential churning my perception has shifted.  (at my peak I was at 50+/24 and I knew of a couple of members here around that time who were even higher than me)         ... View more

@Jnbmom wrote: I would wait until  September 2023 and then try.     I probably would as well, because while technically each one would fall off at 2 years + 1 day after it were opened you don't know the exact dates.  If you waited until Sept 1 it would be undeniable that you're under 5/24. ... View more

@CreditCuriosity wrote: You cannot dispute an inquiry.  Only way to is ask lender who pulled it to have them call CRA and ask for it to be recoded to SP.  Otherwise they are factual It's a multi-part process but the entity who made the inquiry can have it withdrawn and not just recoded although they don't always know beforehand the correct procedure to follow to do it (**cough** US Alliance **cough**)   If one were dealing with a FDIC or NCUA member institution the complaint would be filed with the FDIC/NCUA as appropriate, but since this is an auto dealer that made the inquiry the starting point probably should be a CFPB complaint as your refusal to authoirze the inquiry meant that there was no permissible purpose, and that would be the basis of your complaint.  If the CFPB decides this isn't within their scope of authority they will follow up and point you in the right direction.   ... View more