Does anyone know how to play the credit card game?
Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Does anyone know how to play the credit card game?
Posted: Thu Apr 27, 2006 4:54 pm
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month. The CSR wouldn't budge. I almost cancelled the card, but I try never to make emotional decisions and held my tongue.
Two weeks later I applied for another CitiBank card which had a 0% no fee balance transfer offer for a year. I was instantly approved for $6,000.00!! Huh? Nothing changed in the ensuing two weeks. All I could do was say "Thank you!"
So I quote the immortal Casey Stengel, first Manager of the New York Mets who asked during the first year of their existence, when they proceeded to lose 120 games, "Does anybody here really know how to play this game?"
_________________
Do not let what you cannot do interfere with what you can do.
Ira
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Thu Apr 27, 2006 5:46 pm
Quote:
"Ira"
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month. The CSR wouldn't budge. I almost cancelled the card, but I try never to make emotional decisions and held my tongue.
Two weeks later I applied for another CitiBank card which had a 0% no fee balance transfer offer for a year. I was instantly approved for $6,000.00!! Huh? Nothing changed in the ensuing two weeks. All I could do was say "Thank you!"
So I quote the immortal Casey Stengel, first Manager of the New York Mets who asked during the first year of their existence, when they proceeded to lose 120 games, "Does anybody here really know how to play this game?"
STATE FARM VISA
$4,000 UNDER MY LOWEST CREDIT LIMIT
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: fenster
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 6:08 pm
Quote:
Ira:
Does anybody here really know how to play this game?
Yes. Don't rationalize, it's cluster funk.
Try Target Visa, they'll give Bill Gates a $10 limit.
_________________
beware of everything
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Thu Apr 27, 2006 9:07 pm
[quote="fenster"]Quote:
Ira:
Does anybody here really know how to play this game?
Yes. Don't rationalize, it's cluster funk.
Try Target Visa, they'll give Bill Gates a $10 limit.[/quote]
I must really be lucky. Target Visa gave me a $500 limit!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: fenster
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 9:17 pm
So buy Windows XP MegaWhoopty Doo Edition.
_________________
beware of everything
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 9:27 pm
Quote:
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month.
that's what you get for not monitoring your credit score more closely like the junkies
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Fri Apr 28, 2006 3:40 pm
Quote:
Does anybody here really know how to play this game?
Wow! Your story sounds typical. I recently applied for an HSBC card (0% APR for 12 months) and was only offered an Orchard Card with a $59 annual fee. I have a 750 credit score with a 15+ yr. perfect credit history. So, you're not alone my friend!
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Fri Apr 28, 2006 4:21 pm
[quote="maddybeagle"]Quote:
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month.
that's what you get for not monitoring your credit score more closely like the junkies [/quote]
Took the words right otta my mouth !!!!
_________________
Average FICO score: 709
56 Months of perfection!
I'm bored
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Does anyone know how to play the credit card game?
Posted: Thu Apr 27, 2006 4:54 pm
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month. The CSR wouldn't budge. I almost cancelled the card, but I try never to make emotional decisions and held my tongue.
Two weeks later I applied for another CitiBank card which had a 0% no fee balance transfer offer for a year. I was instantly approved for $6,000.00!! Huh? Nothing changed in the ensuing two weeks. All I could do was say "Thank you!"
So I quote the immortal Casey Stengel, first Manager of the New York Mets who asked during the first year of their existence, when they proceeded to lose 120 games, "Does anybody here really know how to play this game?"
_________________
Do not let what you cannot do interfere with what you can do.
Ira
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Thu Apr 27, 2006 5:46 pm
Quote:
"Ira"
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month. The CSR wouldn't budge. I almost cancelled the card, but I try never to make emotional decisions and held my tongue.
Two weeks later I applied for another CitiBank card which had a 0% no fee balance transfer offer for a year. I was instantly approved for $6,000.00!! Huh? Nothing changed in the ensuing two weeks. All I could do was say "Thank you!"
So I quote the immortal Casey Stengel, first Manager of the New York Mets who asked during the first year of their existence, when they proceeded to lose 120 games, "Does anybody here really know how to play this game?"
STATE FARM VISA
$4,000 UNDER MY LOWEST CREDIT LIMIT
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: fenster
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 6:08 pm
Quote:
Ira:
Does anybody here really know how to play this game?
Yes. Don't rationalize, it's cluster funk.
Try Target Visa, they'll give Bill Gates a $10 limit.
_________________
beware of everything
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: shortstop7
Posted: Thu Apr 27, 2006 9:07 pm
[quote="fenster"]Quote:
Ira:
Does anybody here really know how to play this game?
Yes. Don't rationalize, it's cluster funk.
Try Target Visa, they'll give Bill Gates a $10 limit.[/quote]
I must really be lucky. Target Visa gave me a $500 limit!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: fenster
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 9:17 pm
So buy Windows XP MegaWhoopty Doo Edition.
_________________
beware of everything
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 9:27 pm
Quote:
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month.
that's what you get for not monitoring your credit score more closely like the junkies
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Fri Apr 28, 2006 3:40 pm
Quote:
Does anybody here really know how to play this game?
Wow! Your story sounds typical. I recently applied for an HSBC card (0% APR for 12 months) and was only offered an Orchard Card with a $59 annual fee. I have a 750 credit score with a 15+ yr. perfect credit history. So, you're not alone my friend!
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Fri Apr 28, 2006 4:21 pm
[quote="maddybeagle"]Quote:
Here's an interesting example of what happens even within the same banking organization. About two months ago I applied for a new Citibank credit card because CardRatings was offering a $25.00 bonus just for applying. I was approved - with a "huge" limit of $500.00. I called to complain and was told that's as high as they could go considering my credit history. Huh? My history is impeccable. I have three other CitiBank cards and I pay in full every month.
that's what you get for not monitoring your credit score more closely like the junkies [/quote]
Took the words right otta my mouth !!!!
_________________
Average FICO score: 709
56 Months of perfection!
I'm bored
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 4:51 AM
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