I'm seriously considering a product change to the more rewards from the cash rewards. I never get offers on the cR anymore, the last was June 2024. The min $50 redemption has held me back on a card that I would barely use, but with regular offers it could add up quickly.¯\_(ツ)_/¯ ... View more

@coldfusion I'm happy to see BECU sending offers! I received the following offer this morning on the platinum card.   Special offer: Earn a $10 credit Through Nov. 15, you could earn a $10 statement credit when you spend $100 using your BECU credit card ending in xxxx.   I noted an AR inq on TU at the end of August and was wondering if something was coming up, auto CLI or a BT offer? Fingers crossed!   ... View more

@Leo wrote: @ocheosa wrote: @Thomas_Thumb wrote: Well ... A bankruptcy won't wipe out student obligations but it may eliminate CC debt. No surprise that those contemplating bankruptcy would shift debt away from student loans. Yes, Sir! Creative thinkers could leverage credit lines to pay off student loans, wait six months to a year then file. Sure it's a 10yr blemish but it would seem, given the economy as a whole, dinged credit is not as hard to bounce back from as it was in years past. Heck, pay off the existing car loan too if possible. Just saying. As far as I know, federal student loans can't be paid with credit cards. Maybe there is some 3rd party company/service that will facilitate that for a fee?  Best method depends on the Bank/CU. Any combination of balance transfer checks/deposits to checking/cash advances can be leveraged. A quick search identified Bank of America, Chase, Capital One, Citi, Discover and Wells Fargo as banks that allow BTs of student loans. A motivated individual could complete this task tout de suite.   ... View more

@icyhot2 wrote: Unfortunately I see myself having to file bankruptcy again. I filed Chap 7 in 2018 and burned the following banks  Chase  Citi  Bank of America  Discover  Capital One Amex SECU My income is higher now and I'm not 8 years out, and I don't see myself being able to wait another year and throw money at growing interest rates. I would be burning the following banks in a 13 Navy Fed CU (Almost $57K in CC debt plus a $15K car loan I hope to recertify) Penfed CU ($40K in CC plus a $16K personal loan) Apple ($6K) Comenity (ULTA MC and Lexus Visa) TD Bank (Nordstrom Visa and Target MC)   I feel like it would be impossible to rebuild and get any prime banks after burning almost everyone. Even though I plan to focus on saving money and fixing my spending habits, I'm worried that my credit life will be trashed forever. Am I overthinking or should I just go for it? @icyhot2 That's a huge debt load with kids. You may want to talk to an attorney to see if you can push through to the 8yr mark to file a ch7 or go the ch13 to 7 route? A good bk attorney should be able to provide insight into your best options. Good luck! ... View more

@Thomas_Thumb wrote: Well ... A bankruptcy won't wipe out student obligations but it may eliminate CC debt. No surprise that those contemplating bankruptcy would shift debt away from student loans. Yes, Sir! Creative thinkers could leverage credit lines to pay off student loans, wait six months to a year then file. Sure it's a 10yr blemish but it would seem, given the economy as a whole, dinged credit is not as hard to bounce back from as it was in years past. Heck, pay off the existing car loan too if possible. Just saying. ... View more

@800Project wrote: Hi Gang,   Here is the thing. My NFCU personal checking statement closng is always on the 9th of each month.  I got aproved for a CLOC (checking line of credit) this week, the 22nd and signed the agreement at 10:05pm US east time.   - I called NFCU and one agent with an NFCU said it reported at midnight based on hisown CLOC experiece as it's the last week of each month. - Called again for assurance and another agent told me on the 9th because my personal checking line of credit closes on the 9th. - Ended up calling one last time today and another diferent agent confirmed "closes the last week of every month" but that he didn't feel comfortable confirming if it'd be on the 29th of this month or if it submitted the 22nd of this month because this week is a full week.   I used part of my CLOC and am trying to figure the "most likely" closing date as my CLOC is so brand new it still does not appear in my list of accounts at NFCU yet to make a payment yet even if I could've make a payment already with the NFCU agent. Just worried about the reporting balance while I have an international trip and definitely would like to leverage the current balance. Imagine!   Thoughts? Most likely probability? @800Project , I've never actually used my CLOC but it looks like they report on the last business day of the month. The last 3 reports I pulled, the account updated on May 30, July 31, Aug 29. I would guess this month will be on the 30th. Given the CLOC is included on the banking statement (mine closes on the 16th), the real question is do they report the balance due on the statement or the balance due on the actual reporting date? ... View more

Well done! Congratulations!!! ... View more

Nice perks, Congratulations !! ... View more

They may be referring to total inq's  ?/24. Keep in mind the reason given is not always the complete picture of a denial.  A few of the most likely culprits: Escalating debt (too many inquiries/accounts opened in the last two years), too many accounts with balances, high(er) utilization, carrying/shuffling balances(bt's).   We all get denied once in a while.Chin up. ... View more

Well done! Congratulations!!! ... View more

Even if it's not the SL you would've preferred, CONGRATS on another 5%er!  ... View more

For those with OD accounts, I wonder if this may also get reported to chexsystems if not corrected promptly? Just a total f*ck up! ... View more

@GZG wrote: @captseaton wrote: Earlier today, I received a standard MyFico alert "You have an updated score!". As I am currently gardening, I was expecting maybe a 4 or 5 point bump in my score. Nope, 31 point drop. This was caused by a reported $15,568 increase on a line of credit account which is set up for overdraft protection   This line of credit (and the associated checking account) are never used. I set it up several years ago when PenFed claimed I would be able to make deposits at certain local ATMs (I could not).   The line of credit is only $1000.00, so currently I am sitting on 1557% usage on the account.   Obviously, the amount of usage is going to trigger some flags and I am concerned about the damage this could do to other accounts if they are issued by overly sensitive lenders. I'm half expecting Synchrony to just close all my accounts tonight.   PenFed customer service claims that a "glitch" is to blame and it is affecting a few other members. Has anyone else been affected? I've never heard or witnessed a "glitch" like this before. I'm wondering if I need to take any other steps to protect my credit? file a NUCA complaint, and demand immediate re-reporting if they haven't already done it to all CRA's to prevent any adverse action from your other creditors, include proof that your current balance, is, in fact, not $15,000.    also send a message to their EO team and demand the same include the NUCA complaint number   this does not surprise me from them at all, they are really a garbage tier CU Penfed's back office... ... View more

Geez, may as well hire monkeys to run the show at this point!   ... View more

@Expansion  If looking to open a new account, you could always close one of your NFCU cards, wait a month or two and reapply.   Also, it couldn't hurt to give BECU a call to see if they have any offers on your current card? ... View more

@cashorcharge  Thanks for the heads up. Sorry to hear about the CLD.   My CL is only $5k and as of today it remains untouched. Received a use it or lose it in 60 days letter at the end of June. Because of the low CL I only use this card once a year. Just did a $5 amz biz reload today to keep it active.     ... View more

@CreditMagic7 wrote: Previous limit was $8,750 with a stretch of over 8 months without a even small result.    Slammed the Request Form today for, GET THIS! $9,000 NEW LIMIT REQUEST-APPROVED!    Im still keeping-holding out for applying when DISCOVER comes online. CapOne My Hero  @CreditMagic7 Congratulations on the uplift! I had Cabelas card back when it was serviced by Worlds Foremost Bank. My CL was $1,500. I kept the card open for only 3 yrs (2007-2010);  realized I was becoming a bit obsessive with stockpiling My reasoning, the sales were incredible at the time. Of course I'm thankful now but am also set for life. ... View more

@sto0pyd wrote: I saw a recent post about SchoolsFirst and figured I’d play along... I’ve had this card open for about 7 years with very little activity. My last CLI was back in 2022, which bumped the limit from $10k to $42k. I honestly thought that was the max, and based on what I’ve read, I assumed their cards capped out at $35k. After seeing that post, I decided to test the waters. I spoke with a representative and was told the limit could actually go as high as $50k, so I went for it. It was a hard pull on Experian, and my credit score was over 800. I barely use the card... but it’s kinda cool having a $50k limit from a credit union. The reward structure remains mediocre (1.5 pts for $1).     @sto0pyd , Congratulations!!   Thank you for sharing your DP's, it's what makes this forum essential! Of course everyone will not qualify for elevated lines but knowing the ceiling is valuable. ... View more

Well done! Congratulations!!! ... View more

Well done! Congratulations!!! ... View more

Congrats! Great Card!     ... View more

@Colombiana79 wrote: You can PC the amex for the cash reward? See I'm learning something evertime on here. @ocheosa wrote: @Kforce wrote: @Colombiana79 wrote: The new card would be strictly to pay off the balance. I have other cards if I happen to need to purchase something. But after I pay off the balance, I obviously would want to benefit from any rewards given there after.  Can i ask you what your thoughts were on the Navy American Express if you happen to know? Its .99% on the bal transfer for 12months I think it is a better option than the "Navy Federal Platinum"  because it has rewards value after it's use for the BT.  Same interest rate and term.   The little higher 1.99% interest, (extra ~$100 loss) might be worth a flat 2% rewards card (cashRewards Plus) as compared to the 3x-supermarkets, 3x-gas/transit, 3x-restaurant, all depends on where, how much, and other cards.  One can argue for either card.    Good is that either one saves a lot compared to what your current APR sits.  $9000 @ 25%, with same ~$760/mo = $1400+ interest/12 mo Above 0.99%/0/12m = $48 interest, and the 1.99%/0/12m  = $97 interest   Dirt cheap 12 month loan, don't know of any better option, unless the monthly amount you can pay is much less, then one should maybe take a little higher fee or rate and  pay off over a longer term.  Other option is take it and see, worst case you are looking for another BT in 10 months. Only you know how much you can pay monthly. I also prefer the cR plus over the More Amex; but given the better rate (-1pt) would go with the More card then product change once balance transfer period ends.   @Colombiana79  Yes. You can product change between any of the cards with up to $50k CL. Only the Flagship goes up to $80K. The difference between cashrewards cards: 1.5% cashrewards CL <= $4,999 2% cashrewards Plus CL $5,000+ ... View more

@BallBounces  I have three elan cards associated with two banks (1 personal, 2 business). Personally, I plan to keep both open since they're free. I prefer statement credits so just need to send a deposit once a year to keep accounts from going dormant. If your bank charges for checking accounts there may be a free savings available? My first MCP was generic through Elan direct,  so that one is statement credit only. ... View more

@Kforce wrote: @Colombiana79 wrote: The new card would be strictly to pay off the balance. I have other cards if I happen to need to purchase something. But after I pay off the balance, I obviously would want to benefit from any rewards given there after.  Can i ask you what your thoughts were on the Navy American Express if you happen to know? Its .99% on the bal transfer for 12months I think it is a better option than the "Navy Federal Platinum"  because it has rewards value after it's use for the BT.  Same interest rate and term.   The little higher 1.99% interest, (extra ~$100 loss) might be worth a flat 2% rewards card (cashRewards Plus) as compared to the 3x-supermarkets, 3x-gas/transit, 3x-restaurant, all depends on where, how much, and other cards.  One can argue for either card.    Good is that either one saves a lot compared to what your current APR sits.  $9000 @ 25%, with same ~$760/mo = $1400+ interest/12 mo Above 0.99%/0/12m = $48 interest, and the 1.99%/0/12m  = $97 interest   Dirt cheap 12 month loan, don't know of any better option, unless the monthly amount you can pay is much less, then one should maybe take a little higher fee or rate and  pay off over a longer term.  Other option is take it and see, worst case you are looking for another BT in 10 months. Only you know how much you can pay monthly. I also prefer the cR plus over the More Amex; but given the better rate (-1pt) would go with the More card then product change once balance transfer period ends. ... View more

@Colombiana79 wrote: @ocheosa wrote: @Colombiana79 wrote: Hi All, I'm looking for recommendations for a card I can transfer my Chase Freedom balance of $9000. Any cards that gives rewards would be awesome. I just make standard online and/or store purchases. I dont travel so travel points are not a need for me. I have a relationship with Chase already (Freedom and Prime) and also have a savings account with Navy Fed so any feedback on their cards would be good. But doesnt have to be one of theirs as well.   Any advice is appreciated! thanks @Colombiana79 I would also recommend the Navy Platinum, then product change at years end.   At the same time, you could open a checking/savings advantage account(s) with  BECU (Boeing Employees' Credit Union) to set the table for the next balance transfer if/when needed. BECU's Low Rate Card is 0% APR with No Fee. This would give you two years to affordably pay back that $9k spend. BECU can be skittish to out of state applicants so best to join at least 6 months prior to credit application. Unfortunately BECU does not allow product changes. To become eligible to join BECU , first apply for membership with GoWest Foundation.* The donation is $5.00 to join as a friend. On the application under the credit union drop down box choose BECU.    There are other options but NFCU and BECU are the most cost-effective in my opinion. Good luck!     *GoWest Foundation (formerly NW Credit Union Foundation) member, donor, employee, volunteer or retiree. I literally opened the mail and recieved an offer from Navy Fed for their American Express .99% intro APR for 12months for balance transferred.  Can I get your thoughts on this offer? @Colombiana79  I'd go for it !! Since you already have member history with NFCU, hopefully you will receive a very good SL. Good luck!     Edit:  BTW, if you're a walmart shopper I would take advantage of the bonus $98 statement credit for walmart+ annual membership. This freebie would basically offset your balance transfer interest. Charge the walmart membership asap, the credit should post in 7-14 days. If for some reason it takes until statement cut don't worry, the initial statements cut quickly (~3wks or so). Once the credit posts ($0 balance) complete your balance transfer. This puts a hard stop between purchase and balance transfer charges. Since the BT is going out to Chase hopefully they can process it electronically vs the checks they love to send out.  Just a thought because I'm cheap like that. ... View more

@Colombiana79 wrote: Hi All, I'm looking for recommendations for a card I can transfer my Chase Freedom balance of $9000. Any cards that gives rewards would be awesome. I just make standard online and/or store purchases. I dont travel so travel points are not a need for me. I have a relationship with Chase already (Freedom and Prime) and also have a savings account with Navy Fed so any feedback on their cards would be good. But doesnt have to be one of theirs as well.   Any advice is appreciated! thanks @Colombiana79 I would also recommend the Navy Platinum, then product change at years end.   At the same time, you could open a checking/savings advantage account(s) with  BECU (Boeing Employees' Credit Union) to set the table for the next balance transfer if/when needed. BECU's Low Rate Card is 0% APR with No Fee. This would give you two years to affordably pay back that $9k spend. BECU can be skittish to out of state applicants so best to join at least 6 months prior to credit application. Unfortunately BECU does not allow product changes. To become eligible to join BECU , first apply for membership with GoWest Foundation.* The donation is $5.00 to join as a friend. On the application under the credit union drop down box choose BECU.    There are other options but NFCU and BECU are the most cost-effective in my opinion. Good luck!     *GoWest Foundation (formerly NW Credit Union Foundation) member, donor, employee, volunteer or retiree. ... View more

Great start! Congratulations! ... View more

Well done! Congratulations!!! ... View more

Congrats on your approvals! AmEx is the best for business cards. In my experience their support is far superior to most.   ... View more

@user979797 wrote: Hi all. So my oldest credit card account has reported my account closed due to bankruptcy and this has caused my scores across all 3 bureaus to drop significantly. I disputed this with the bureaus and the dispute came back as valid and verified by the data furnisher.    I then contacted the bank and it took hours on the phone to finally get to the right department and a supervisor realized their error and reopened my account. The supervisor stated they would be submitting a manual change request to the bureaus to have this information updated and corrected however they said to allow 30 days for this to happen.   I am worried that my other creditors may see this when they do a review and I could start losing accounts, having limits reduced or some other negative action taken due to this temporary mistake.    Is there anything I can do to prevent this? Will other creditors be able to tell that in fact I have not filed bankruptcy? Will they wait another month or act immediately as soon as they see this information? Would calling them do any good?    Thank you so much for any advice on this matter....what a dang mess.  This post/thread is very confusing as it reads as if you do not have a bankruptcy on your reports. But just read a new post from this morining which states "My BK7 was discharged march 2018." "What are my chances of getting approved if I cold app with the over 7 year old BK reporting on me?"    Ch7 is known to report for ~10 years (< 1-6mos with EEs ).     Is it just this account that you are disputing? Very confusing.     https://ficoforums.myfico.com/t5/Credit-Cards/Question-about-Citi-custom-cash-post-BK7/m-p/6836958 ... View more