@creditrizz wrote:  Cardless acquisition of their program   ... View more

Edgar Martinez grand slam vs. the Stankees 1995 ALDS   GET OUT THE RYE BREAD AND THE MUSTARD THIS TIME GRANDMA,  IT IS THE GRAND SALAMI!!!!   Found a clip of the call https://www.youtube.com/watch?v=LWYQwDgICug ... View more

It would not.   You would need to have held the United Gateway card for at least 1 year due to the Club card's higher AF and the current CL needs to be at least $15K.    You can try for a SP CLI on the Gateway to see if you can get your limit to at least the $15K threshold.  If your Gateway card is already at least a year old it's possible to make a SP CLI request and depending on the outcome then call in and request enough CL from another personal Chase card reallocated to the Gateway card and then PC to the Club card.     Chase also used to allow limit to later be reallocated to drop the Club card CL under $15K as well but I can't confirm they still allow it.  ... View more

Never heard of a successful 5/24 override on recon unless there were new reported accounts that the analyst had discretion to discount, classic example being an applicant's young AU account(s).    From what I've seen 5/24 overrides are associated with an approval without need to recon with either there was 1 or more new accounts hasn't yet started to report (BTDT), applicant had a black-starred "You're approved!" offer,  or it was during one of the short-duration windows over a several week period where multiple reports of success suggest that Chase appeared to have quietly temporarily relaxed the restriction on a specific card like the Amazon Visa.    It'l only cost you an inquiry to find out if it will work for you.          ... View more

This shouldn't be a decision you have to rush into - there won't be any immediate need for you to transfer out of your existing employer's 401K plan although for your own sanity you will want to confirm what if any timeline restrictions exist with a potential transfer into your new employer's plan.   As you point out the relative quality of the plans between your old and new employer (I saw who your new employer is, congrats BTW),  including what suitable options exist for someone your age, is very relevant.     What do you see as the likelihood you'll continue to work full time much past 73?     Off the top of my head I'd suggest a default of moving your 401K money into rollover IRAs of your choice at the investment brokerage of your choice unless either the options available in either your old plan (i.e. keep your money there for now) or upcoming new plan are a great fit.          ... View more

Wells Fargo doesn't use FICO 8 for scoring.  I've seen a couple of recent suggestions that they are now using FICO 10 but at a minimum they've been using EX FICO 9 for a while,  and that's the score they still provide to account holders who enroll (free)  in Credit Close-Up.    When multiple reasons are given for a denial they're legally required to be listed in order from most to least important in making the decision, so the 2 biggest/most relevant reasons you were denied were #1) high utilization on one of your cards (i.e. those you're responsible for payment,  AU cards don't count) and #2) high aggregate utilization across all your bank cards (i.e. basically Visa/MC/AMEXDiscover whether core or co-branded).   #3 is more likely tied to you having opened 3 accounts in the last year than an overall lack of credit history,  that's a factor with WF whose relevancy is to some extent weighed on a case by case basis but it's something that is considered even with thick/aged profiles with 800+ FICO 8/9/10 scores.        ... View more

They align with the target demographic for the Chase Rise (straight-up 1.5% cashback, no minimum redemption) card, per Chase their best odds of approval come from opening a checking or savings account with a $250 deposit and then applying for the card.   In a year if they've met all the conditions they'll qualify for an automatic PC to a Freedom Unlimited.   They need to keep in mind that since they're under 21 they're supposed to only include earned income as wages, not household income, allowances, and so on.  ... View more

It should autodeny due to 5/24 but Chase does occasionally have undisclosed small windows of opportunity where the autobot doesn't strictly enforce 5/24.    The other thing is if whether or not you're really at 5/24;  if for example if one of those 5 is an a card where you're just an AU an analyst can on  at their discretion if calling in to request a reconsideration choose to ignore it and if all other factors are satisfactory approve the card, and non-Chase business cards that aren't reporting don't actually count toward 5/24 either.  ... View more

@FicoMike0 wrote: , Chase might be using fico9 or a bank card score.   Their standard is to use their own internal risk scoring algorithm, I think known as a CARS score, normally using Experian data although they will sometimes also pull either TU or EQ.   ... View more

I'd suggest you call them on Monday during East Coast business hours at (I think) 1-888-270-2127 and ask for a reconsideration of a denial.   Be prepared to point out to the analyst you speak with that you have several years of a clean history along with regular use of the cards you already have, and have a rational explanation ready as to why you want this specific card and how you're going to use it.   An example could be that you've been told that you're going to be starting domestic travel semi-regularly for work in a few months and you're interested specifically in the CSP because you want to have a good travel-centric card  to use that doesn't focus on a single airline or hotel chain.   Successful reconsideration requests with Chase aren't just a pipe dream,  they do happen.    My guess is that what hurt you was that you didn't already have a card reporting with a limit at or close to $5K.  $5K is the minimum starting limit that Chase will grant with a CSP.    ... View more

@Varsity_Lu wrote: .  I don't believe they could join directly via my granfldfather, but they can now that I am a member. Officially they could not, but with a phone call they might have been willing to bend the rules for a great-grandparent.    They do tend to go by the honor system with regard to membership eligibility but they sometimes do follow up and later ask to provide proof of eligibility and freeze accounts until proof is given or ineligibility established.   With a copy of a DD-214 you're all set.  ... View more

@Legendary70 wrote: what is 2/12, 7/12 etc? @Legendary70 they're referring to the number of inquiries aka 'hard pulls' and the number of new accounts reported within the related number of months -  in OP's case they have had 2 inquiries made and 0 new accounts that started reporting over the last 6 months, 7 inquiries made and 2 new accounts that started reporting over the last 12 months, and so on.  ... View more

Andrews FCU Titanium - 1.5x on non category spend, 3x on gas and groceries ... View more

Buying or selling points or miles through a 3rd party broker typically violates the progam's T&C and getting caught puts you at risk of forfeiture and being booted out of the program but but it is legal.  I can't speak to whether or not this particular broker is legit but I'm also more used to seeing brokers also advertise that they're looking to buy miles.      ... View more

This isn't an issue that would be resolved by disputes with the CRAs and one that would be debatable as to whether or not a credit repair agency like Lexington Law could do anything you couldn't either (and we don't advocate the use of such agencies on this site either BTW).   If it were me I'd probably start off by looking into filing a complaint online,  starting off with the Alabama Attorney General's office and if they can't help then file with either the FDIC or CFPB - not sure which would be the correct option so if the Attorney General's office punted I'd start with the FDIC and let them either accept the complaint, forward your complaint to the CFPB themselves, or instruct you to file with the CFPB yourself.    Since you don't have a lawyer representing you the Attorney General's office should be able to work with you directly when investigating your complaint.   If you had a lawyer they would only deal with you through your lawyer.     Someone else might have a better idea.  ... View more

@pizzadude wrote: If you have absolutely no revolving credit history then it will be difficult to get approved, so secured cards aren't a bad option in this case.     Do you have any credit history at all ?   Are you an authorised user on anyone else's cards or could you be added ? +1 to all of the above.    Being added as an authorized user on a card held by someone with a good credit profile will at least get a credit profile started. However, a secured card from an issuer like a Discover IT Secured card is IMO a better choice because a) the reporting will also reflect your own payment history b) with Discover you can check for a preapproval for the secured card before you apply c) Discover (and Capital One) has historically been friendly toward applicants with thin credit profiles d) you can get a card with a $200 security deposit  e) with a good usage and payment history the card can graduate to an unsecured card, sometimes in less than a year.     ... View more

I've got just over 405,000 minutes online,  averaging just under 56 minutes per signin.  If the total messages read counter is to be believed I also have just over 1.58 million messages read.  ... View more

@GZG wrote: @Soundersfan1 wrote: So I placed a credit lock on Experian and TU (because I am 99.9% sure I would get instantly denied because I have way to many inquries for Citi's liking). Equifax is the only bureau that I would stand a chance in inqury wise (0/6 and 3/12). Ex and TU are both 5+/12 and since Citi is know to be inquiry sensitive, I know there is no way they'd approve the application. So only my EQ is unlocked and when I tried submitting it, Citi wanted to pull Ex so I'm not going to continue with the application because it's just going to result in a wasted inqury. If I keep giving the Costco Visa a go, eventually would Citi pull EQ? probably not unless you move, you can always keep trying, but pulls seem to be location/address based  It isn't an absolute but it's influenced by your state of legal residence,  there is a matrix based on crowdsourced data showing it.    https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/6379773 ... View more

@JoeRockhead wrote: @Soundersfan1 wrote: 54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.   With AU - 27% W/O AU - 54%   Since they're going to disregard the AU accounts, and strictly look at your accounts it certainly wouldn't hurt to get your aggregate utilization under 29%.   Yep.  No guarantee that would get you over the hurdle but it's a step in the right direction.  ... View more

@ptatohed wrote: I'm pretty sure you can't PC from citi core cards to citi co-branded cards.    In general that's true but the Costco card has been an exception,  I know of reports here in the past of successful changes from Double Cash and Rewards+ cards to a Costco, although you cannot PC from a Costco card to a different Citi card.   In the past being able to PC away from a Simplicity card was a YMMV but there were successes in making a Simplicity -> Double Cash product change; maybe a PC to a Double Cash followed by a PC from the DC to a Costco card would work much like the path multiple people followed a couple of years ago to end up with a Custom Cash by first converting to a Double Cash and then (52? 53? days later) converting the DC to a Custom Cash.  ... View more

@bs1234 wrote: @unsungivy wrote: @coldfusion wrote: @TrapLine wrote: Many Elan (USBank) Cards can be obtained without actually joining the financial that is offering the cards. Note, I do not know which ones?   My geo is a long way away but, a bank in my area does not actually require a person to be their customer. I'd assume that a CU would require you be a member before applying.    Not that it would really matter to most people, but if you don't have a deposit account with the co-branded FI your only cashback redemption option is for statement credits on the card.  100% do not need to be a member for an Elan card. And actually they offer a variety of redemption options. I am surprised as like @coldfusion I would have assumed membership is needed for any card from a CU.   I have mine from a bank (well, now directly from Elan as the bank got bought) and as I had no deposit account, statement credit was the ony option.   So what redemption options do you have as a non-member of a CU? If you want cashback deposited into a savings/checking account they will only process that into an account at the co-branding FI associated with the card, doesn't matter if its a CU or a bank.    If you don't have a deposit account at the co-branding FI your available options are for cashback as statement credit, buy Visa gift cards at 75 cents on the dollar i.e. for example a $25 gift card costs $33 in rewards, make a donation to one of a small list of charities (Red Cross, United Way, etc.), or as a RTR if you're enrolled.  These options are all managed through USBank/Elan.         ... View more

@DakotaM wrote: Here's a giant thread of lots of banks and credit unions that have them.  Very few (possibly none) require you to actually be a member to apply for their version of the card.  They all have their own design, so basically, you can pick whichever one strikes your fancy the most. Elan "Max Cash" -vs- US Bank Cash+ - myFICO® Forums - 6198795   Elan's underwriting seems a bit less conservative than US bank's. Good luck! There was also a more focused thread in Smorg that focused specifically on known co-brandings, including in many cases an image of the actual card front.  https://ficoforums.myfico.com/t5/SmorgasBoard/Max-Cash-Preferred-the-really-big-list-of-beautiful-cards/m-p/6550666#M83597 ... View more

@FICOdawg wrote: @Realist wrote: As many as you can reasonably manage. At what point do banks/CC companies start closing out accounts.       Annual fees start catching up to you as well. When a card they issued you collects too much dust from non-use,  your credit profile takes a sharp nosedive, or they see what they view as a warning sign that trouble may be on the horizon like a bunch of new cards or limit increases on existing cards reporting within a short timeframe.  Every company has a different tolerance level,  FNBO will start sending nag messages if a card hasn't been used in 3 months.  ... View more

@Varsity_Lu wrote: I think you'll be ok, certainly to reach 800. I'm over 800 and am below what yours will be. Not sure, but I think I recall that AAoA points max out at like 7.5 years. After that point people start achieving perfect 850s. Someone correct me if I'm wrong. I understood 7 years, but we're on the same page.  ... View more

@TrapLine wrote: Many Elan (USBank) Cards can be obtained without actually joining the financial that is offering the cards. Note, I do not know which ones?   My geo is a long way away but, a bank in my area does not actually require a person to be their customer. I'd assume that a CU would require you be a member before applying.    Not that it would really matter to most people, but if you don't have a deposit account with the co-branded FI your only cashback redemption option is for statement credits on the card.  ... View more

@AzCreditGuy wrote: So it seems my grandfathered gold checking account is no longer going to be waived?   FWIW nothing in the last few statements for either my Gold checking or Cash+ card would lead me to believe this is happening to me (or at least not anytime soon) and this months Gold statement still showed the fee waiver.  ... View more

@chuckwood wrote: I have not been on here for awhile but last week I got hit with 2 hard pulls within 5 min of each other but it was for a cli on current card and new card. ( I got them both )  There have been reports of some getting by with 1 but I would not count on it.  Did you call in to request the CLIs or did you make the requests online?  ... View more

It's a fair bet that the interest rate on a student loan would probably be less than on a CC.     In theory one could consider taking out the loan and then leveraging a CC with a 0% APR balance transfer,  but you'd have to consider a) the net gain when factoring in the fees including the BT fee as well as b) the additional complexity of making it happen and the potential fallout if you weren't able to meet the terms of the BT agreement and c) the likely comparative inflexibilty of the terms vs. the available options with a student loan in the first place. ... View more

What is your utilization percentage without the AU padding?     Do you already have any open deposit accounts or credit cards with Wells Fargo?  ... View more