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HSBC Credit Card Credit Line Increase (cont'd.)
Guest: BigDog Post subject: HSBC Credit Card Credit Line IncreasePosted: Sun Mar 26, 2006 12:54 pm Hey Cled, If you don't mind me asking? How much of and increase did they give you after 2 years and do you know if they pulled your credit report hard or soft.
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Guest: JoyJoy Posted: Sun Mar 26, 2006 1:14 pm When I opened my HSBC savings and called them regarding a question I had about bank to bank transfer, the CR said I had been approved for a 12 month 0% balance transfer offer. He said he would transfer me to the credit card dept for further details. I got cut off and I went online and applied for the HSBC Mastercard. I was instantly approved with a CL of $15K. I thought it was $1,500.00 LOL and later when I went through the whole process and printed out my results, I noted I was approved for $15K and not $1,500. My balance transfer went very smooth too. I am very pleased with my relationship with HSBC. They post my savings deposits within 2 days and I am fortunate to live within a few blocks of their branch office. Another added benefit is they are open 7 days a week.....Sun 11A-3:00P....both lobby and drive-in! _________________ J~J
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Mar 26, 2006 4:07 pm Quote: I discovered an automatic limit increase of $1500 a week ago. Oh ya, they'll definitely hit ya with hard inquiry, they're not softies like BofA. Are you sure? I don't think they can do that if they initiate the transaction. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sun Mar 26, 2006 4:43 pm I added a gm card a few months back. They explained that they will do a cli after 6 months. If you look at fat wallet, there are threads on how to "encourage" cli's. One way is to max out a card. Many of the sites, if you periodically check for the online increase, you can be approved without a hard inquiry unless you get the "long form".
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Guest: cled Posted: Mon Mar 27, 2006 11:43 am BigDog wrote: Hey Cled, If you don't mind me asking? How much of and increase did they give you after 2 years and do you know if they pulled your credit report hard or soft. i started with $5,000, then $8,300, then $10,000... last increase was just 1,700... pulled hard...
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Guest: Verne SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 27, 2006 3:25 pm I've never asked for a credit limit increase from Household Bank (for my GM card) but it usually goes up on its own every 18 months to 2 years. I can't remember what limit I started with ($7,000 or so) and, now, after nine years, it's well over $20,000. In my experience, credit limit increases come more readily when I run up a huge balance and pay it off. I also like to mix up my usage, carrying a balance some months or none at all other months. I try to demonstrate that I can handle credit, that I'm able to make large payments, and yet dumb, neglectful, or apathetic enough to pay interest on occasion. (virtues of a good customer) In the short run, I realize carrying a balance isn't a good thing but it makes you a "better customer" in the credit card company's eyes. This, in turn, may translate into better offers and credit limit increases. And sometimes, for those of us who must carry a balance, a credit limit increase equals better deals and lower rates. The best way not to get a credit limit increase is to run up a high balance and make a series of minimum payments. Having high overall utilization is another CLI killer too. And, of course, never be late or over the limit. The more you look like you don't need a credit limit increase, the more likely you are to get one. Verne _________________ Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Guest: BigDog Posted: Tue Mar 28, 2006 12:21 am Well, What I do is get a 0% card for 12 months. Over the course of 12 months I make small payments. Say the min payment is $20.00 - I will pay $50.00. Then at month 11 or 12 when the 0% is soon to end. I pay the whole balance off. Heck, it free money for me. Am I looked upon in a bad way to the Credit Card Companys when I do this. Should I pay a month or 2 of ( I can't even bare to say the word) Interest and then pay the balance of.
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 28, 2006 2:05 am What the heck do you care what they "think" of you? "They" is a massive computer system which hopefully doesn't think at all. If you play by their rules you're doing fine. On a 0% offer there's absolutely nothing to be gained by paying more than the minimum each month. I assume you're doing like a lot of us, myself included, and putting the BT cash in an interest bearing account. Pay the minimum every month, withdraw the principal a few days before the last monthly statement is due, and pay off the balance a few days - not a few months - before the expiration of the intro rate. That's the way you impress the bank - play by THEIR rules. Give them exactly what they ask for and not a penny more. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: JoyJoy Posted: Tue Mar 28, 2006 10:42 am [quote="Ira"]What the heck do you care what they "think" of you? "They" is a massive computer system which hopefully doesn't think at all. If you play by their rules you're doing fine. On a 0% offer there's absolutely nothing to be gained by paying more than the minimum each month. I assume you're doing like a lot of us, myself included, and putting the BT cash in an interest bearing account. Pay the minimum every month, withdraw the principal a few days before the last monthly statement is due, and pay off the balance a few days - not a few months - before the expiration of the intro rate. That's the way you impress the bank - play by THEIR rules. Give them exactly what they ask for and not a penny more.[/quote] As always I enjoy reading your posts, Ira. ! I would love to do this! This doesn't apply to balance transfers that were used to pay off credit card balances though does it? For instance, I used a BT to pay off credit card debt in the amount of $4,850.00. I send in monthly payments of $404.22 instead of the $49.00 the cc company asks for. My debt will be paid off before the expiration date of 3/20/07. Now if I had used that $4,850.00 as a balance transfer to myself with no debt and placed it in an interest bearing account then I would just pay the minimum each month to the credit card company because I have that $4,850.00 already accounted for and making interest, correct? _________________ J~J
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 28, 2006 12:33 pm Do you have any reason to not pay the $49 per month and put the rest of your payment into a savings account earning 4.8%, instead of sending it all to the bank each month? That's what Ira is suggesting for the scenario you present. 0% money is free money; invest it safely, and pay it back only when you have to do so. Makes sense to me! _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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HSBC Credit Card Credit Line Increase
Guest: BigDog Post subject: HSBC Credit Card Credit Line IncreasePosted: Sat Mar 18, 2006 2:32 am Hi, I have a HSBC card for about 9 months and wanted to know if they do limit increases on request. If, yes do they do a soft or hard inq on your report?? In other words - What is the best way to ask for an increase. I have a very small balance on the card with them.
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Guest: cdwilliams1 Posted: Sat Mar 18, 2006 10:36 am I was wondering the same thing. I've now had my orchard card 6 months. All payments are on time. Curenntly carrying a balance, but I could pay it off if need be. My current limit is only $300. Chris
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Mar 18, 2006 2:01 pm cdwilliams1 wrote: I was wondering the same thing. I've now had my orchard card 6 months. All payments are on time. Curenntly carrying a balance, but I could pay it off if need be. My current limit is only $300. Chris patience my boy. CLI's are a shadowy world that us mere mortals will never understand. Keep up with your orchard and before long you may have offers from real cc companies with more realistic limits In the meantime. BE PERFECT _________________ Average credit score: 709 !!!!!! WOOOHOOOOOO
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Guest: BigDog Posted: Sun Mar 19, 2006 2:03 pm I can't speak for anyone else, but my limit is $10,000 with HSBC. I just wanted a little input from others who carry this card. Can anyone comment on there experience with HSBC and Credit line increases or any other info that would be helpful to all. Thanks
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Mar 19, 2006 2:39 pm Call and ask Or look ON-LINE if they have such a thing I don't have any credit from that company Some banks do CLI's after 6 months...some after 9 months...some after a year...some never (AT YOUR REQUEST)
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Guest: fenster Posted: Mon Mar 20, 2006 11:53 am I carry the GM card with them, I’ve had it for two years now, in the two years, I asked for a limit increase once and was declined. However, lo and behold, while paying online, I discovered an automatic limit increase of $1500 a week ago. My original limit was $3500 and is now $5K. I’m thinkin’ they don’t like us askin’ for it, my experience at least. Oh ya, they'll definitely hit ya with hard inquiry, they're not softies like BofA. _________________ beware of everything
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Guest: BigDog Posted: Tue Mar 21, 2006 12:40 am Hey fenster, Thanks for the info. Anyone else out there have any dealings with HSBC
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Guest: cled Posted: Sun Mar 26, 2006 5:41 am BigDog wrote: Hey fenster, Thanks for the info. Anyone else out there have any dealings with HSBC i went online to request for CLI... i have the card for about 2 years now... not as generous CL as other banks are, though... but it serves my needs well.. CL is same as yours ($10,000) so far, its a good experience here..
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Discover Restaurant Credit Card Offer Discontinued (cont'd.)
Guest: stevejk Post subject: Discover Restaurant Credit Card Offer DiscontinuedCredit Expert (100+ Posts) Posted: Thu Mar 23, 2006 9:37 am Well, I understand they can change the interest rate (if fixed) or change the interest calculation (e.g, fixed to float) with 15 days notice. I may be wrong on the number of days but they have to give some notice. But what I don't know is if the mandatory notice is only for interest rates or for any change in the terms of the agreement, which the rewards structure would supposedly be a part of. I agree that for customer service reasons, they would/should give SOME notice to cardholders to prevent a lot of angry calls from surprised customers. I know I would notice if it was obvious that I got 0.25% cash back instead of the expected 5% cash back and I would call and complain.
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Guest: quiznut1 Posted: Thu Mar 23, 2006 10:44 am Sorry to spoil your hopes guys, but I just called a CSR and they initially told me that they never heard of the restaurant program going away, but then I asked to speak to the supervisor, whom the CSR claimed, "just walked by, so let me talk to him." The CSR came back on the line and said that the restaurant program is indeed going to be phased out for current cardholders in June, according to her manager. I kindly asked the CSR to convert my card to the standard platinum cash back program, since my statement closed today (I otherwise couldn't do it till next month). I decided I will only be using this card for gas purchases from April-June, in the special 5% get more promotion. I have like $1.56 in cash back that I can't redeem till I hit $20, and then when I hit $20 and redeem my cash back bonus, I will lock this card up until another Get-More promotion comes. That or I will, as some are doing already, cancel the card. So I guess I'm now gonna search for another restaurant card.
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Guest: georgee Posted: Thu Mar 23, 2006 11:34 am "The restaurant program is indeed going to be phased out for current cardholders in June, according to her manager" Yes, but other "supervisors" have said that the program is NOT going away for current cardholders. SOMEONE is wrong !!
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Guest: XeroK00L Posted: Mon Mar 27, 2006 5:38 am Oh well, so few restaurants (about only 1 out of 4) that I frequent take Discover cards anyway that I probably won't miss the program too much, though it sure is nice to get 5% CASH back. Guess I'll just stick to my Citi mtvU VISA card that gives me 5% in reward points AND is accepted at everywhere I want to be.
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Guest: georgee Posted: Tue Mar 28, 2006 10:26 am My cousin just called, and he told me that he got his formal 'notice of change in terms' in the mail last night. As of July billing statement, Discover Restaurant Card is no more, for anyone. The rebate terms revert to the standard Discover cashback (.25% for first $1500, .50% for next $1500, and 1% over $3000. Supposedly, they are having quarterly 5% promotions on different products which you can check on their website, but so what? My advice is to reach your next $20 tier, get your check, and then sock-drawer the card.
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Guest: stevejk Credit Expert (100+ Posts) Posted: Tue Mar 28, 2006 11:03 am georgee wrote: Supposedly, they are having quarterly 5% promotions on different products which you can check on their website, but so what? My advice is to reach your next $20 tier, get your check, and then sock-drawer the card. It depends on the promotion. Since my Discover card is my oldest (first) card, if I sock-drawer it, I do have a small monthly charge on the card, just to keep it active they can report to CRAs.
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Discover Restaurant Credit Card Offer Discontinued (cont'd.)
Guest: shooter Post subject: Discover Restaurant Credit Card Offer Discontinued Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 8:41 pm National City's everyday rewards card has 2% cash back at restaurants. It also offers higher percentages on movie theatres, groceries, and gas. The problem with this card is that it offers less cash back than the Dividend or Cash plus cards etc. and rebate checks are only redeemable in $100 increments and points expire in 24 months. The only thing I would use this for is eating out and movies but since I would never spend enough on those to get the $100 in rebates in two years I use my other cards which have a lower rebate. I don't earn as much with those cards on restaurant purchases but I use them for all my other expenses so I can actually acheive the rebate amounts necessary to redeem. Maybe someone else who eats out more would benefit with this card though. It doesn't have any stellar intro offers. When I signed up 4 years ago I got a 1.9% rate for three months but nothing great. National City was my introduction the the wonderful world of credit card rebates. I've since moved on to bigger and better cards however. I just keep this one cuz it's my oldest one.
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Guest: db619196 Posted: Wed Mar 22, 2006 8:14 am quiznut1 wrote: db619196 wrote: Man this does stink. Well, they only give $75 back per year anyway... The Discover Restaurant card gave $75 cash back on the first $1,500 in annual purchases (5%, if every one of them was a restaurant purchase), from there it was 3% cash back on the next $1,500 of annual purchases (3% restaurants, .5% everywhere else) It still is a disappointment to see this card go. Quiznut, When I signed up the terms were different. They nixed the whole 5%, 3%, 1% deal, and after the first 1500 dollars my card defaulted to the regular rewards tier, which isn't that great. I even called them and tried to get the 5%, 3%, 1% tier like folks on here were talking about, but they wouldn't give it to me. They said that was an older promotion. Soon after they discontinued the card. So for me, I can earn $75 in a year with the 5% back, since after $75 in restaurant rewards, I am on Discover's regular tier, and I will be better off using another card at this point. Either way, it is disappointing. I still have the Citi Professional Card which has no spending limit for their 3% back. David
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Guest: stevejk Credit Expert (100+ Posts) Posted: Wed Mar 22, 2006 9:35 am I called and emailed Discover but they didn't give me the same information they gave to others. The CSR on the phone said she could not find any information about the rewards going away for current cardholders. I then sent an email from the Discover website asking about it. Their response did not indicate that the rewards were going away, other than no new restaurant rewards cards issued. Maybe it is was an internal memo that has not been made public yet?
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Guest: georgee Posted: Wed Mar 22, 2006 2:52 pm My cousin called Discover again and talked to a crs who said current cardholders ARE NOT being canceled from the program. This is contrary to what he was told before. So, how do you figure? Guess we'll just have to wait and see.
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Guest: georgee Posted: Wed Mar 22, 2006 6:33 pm Just out of curiosity, if Discover does cancel the restaurant program for current cardholders, how much notice do they have to give?
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Mar 22, 2006 11:55 pm None, but they'll probably give 30 days as a courtesy. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Discover Restaurant Credit Card Offer Discontinued (cont'd.)
Guest: sammy262 Post subject: Discover Restaurant Credit Card Offer DiscontinuedPosted: Mon Mar 20, 2006 9:31 am The Citi Professional Card offers 3 Thank You points per dollar on restaurant and office supply store purchases, 1 point on all other purchases. Periodically Citi offers bonus Thank You points (usually 5000 or 10000) for first use after cardmember approval. I'd prefer cash, of course, but 5000 points gets you a $50 gift card at some of my favorite restaurants and gas stations, so that's 99% as good, imho.
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Guest: db619196 Posted: Mon Mar 20, 2006 9:41 am Man this does stink. Well, they only give $75 back per year anyway, so whenever I eat out until June, I will be using this card, so I will probably hit $75 anyway. I am disappointed in Discover. They have gotten rid of their good cards. I have 0% APR until November, and may use it for that reason, but getting rewards at less than 1% just seems like an anachronism these days, with some cards getting over 1% on all purchases. For those looking for a replacement, I have the Citi Professional card, and it gets 3% back at restaurants like someone else here has said. The Thank You Network is very extensive, so I don't mind that the rewards aren't cash. Plus, I got 10,000 bonus points ($100) just for signing up. Just make sure that if you are getting a gift card that you wait until you get 5,000 points, because at that point 5,000 points= 50 dollars. Otherwise, it is 3,000 points=25 dollars. David
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 20, 2006 9:47 am Folks, nothing lasts forever. Promotions can change at a moments notice. I've lost count of the number of great promotional offers that I've seen come and go. You take advantage of them while they're around, but never stop looking for something else that's a little better, or mabe even not quite as good, but which lasts longer. Eternal vigilance is the watchword. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 10:01 am Ira wrote: Folks, nothing lasts forever. Promotions can change at a moments notice. I've lost count of the number of great promotional offers that I've seen come and go. You take advantage of them while they're around, but never stop looking for something else that's a little better, or mabe even not quite as good, but which lasts longer. Eternal vigilance is the watchword. and thats why Ira has 50,00 credit cards!!!! but hey give him credit,,,it works (pun intended) _________________ Average credit score: 709 !!!!!! WOOOHOOOOOO
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Guest: quiznut1 Posted: Mon Mar 20, 2006 10:35 am db619196 wrote: Man this does stink. Well, they only give $75 back per year anyway... The Discover Restaurant card gave $75 cash back on the first $1,500 in annual purchases (5%, if every one of them was a restaurant purchase), from there it was 3% cash back on the next $1,500 of annual purchases (3% restaurants, .5% everywhere else) It still is a disappointment to see this card go.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 2:05 pm There are several cards with 2-3% at rest. Fat Wallet has a good discussion.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Mar 20, 2006 5:26 pm Quote: Guess I'll need to buy the restaurant gift cards at the grocery store (5% cash back at grocery stores) once my restaurant rewards go away. Yeah, that sucks. Oh well, it was a good thing while it lasted. Interesting tip. I guess this would work! _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Discover Restaurant Credit Card Offer Discontinued
Guest: georgee Post subject: Discover Restaurant Credit Card Offer DiscontinuedPosted: Sat Mar 18, 2006 8:46 pm My cousin has the above card, and he told me that they are canceling the program for current cardholders as of 6-13-06. Also, they no longer issue the card, but I am surprised that current cardholders are going to be converted to a standard Discover Platinum cashback card as of 6-13. Did anyone know that?
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Guest: Board Monitor Board Monitor/ Administrator Posted: Sun Mar 19, 2006 10:32 am Greetings and welcome to the board! Yes...I did know that. Posted about this last week. I called them and was given the same info. as in your post. Not good news. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: quiznut1 Posted: Sun Mar 19, 2006 3:14 pm Man, this sucks. I've gotta do some more research for another restaurant card...my statements close on the 23rd of the month, so my program will be canceled on the 23rd of June. Looks like I'll be jumping on the bandwagon of another restaurant card...any suggestions from anyone are welcome.
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Guest: quiznut1 Posted: Sun Mar 19, 2006 4:17 pm To all the current Discover Restaurant cardholders: Here is my plan for my future use of this card, and I think this is the best way to make use of a bad situation. If you're concerned about your restaurant rewards going to waste (as rewards are only redeemable in $20 increments), don't worry. I called Discover and they told me that the April-June "Get more" promotion category is going to be Gas and Automotive. This means you'll earn 5% cash back on those purchases, and if you're like me, you'll easily spend $400 (5% of that is $20) in 3 months on gas. If you hold a Citi Dividend Platinum Select card (as I do), you won't be earning any less cash back (5%) with the Discover card during this "Get more" promotion, then you typically would with the Citi card. What you do with the card after that is up to you, I might cancel mine, but don't want to lose credit history, affecting my score.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 9:07 am I have the home improvement card which will also disapear. I will probably convert 1 of my cards to the gas card and use it enough for the 20 bucks and use it for bt offers.
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Guest: stevejk Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 9:26 am Guess I'll need to buy the restaurant gift cards at the grocery store (5% cash back at grocery stores) once my restaurant rewards go away. Yeah, that sucks. Oh well, it was a good thing while it lasted.
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Student Loans Paid with Credit Card Balance Transfer Offer
Guest: quiznut1 Post subject: Student Loan Paid with Credit Card Balance Transfer OfferPosted: Mon Mar 27, 2006 12:19 am I was wondering, is this possible? I'm going to be graduating soon and inevitably will have to pay these down. Do they send you a statement that gives your total balance of your stafford and unsubsidized stafford loan with a minimum payment, like a credit card? And do they give you the option to make a payment with a credit card? If they do, I might get a 0% introductory rate credit card when I get out of school and put the whole amount on the credit card at 0% and pay it down. Then transfer it a few more times between 0% cards and pay it off without any interest. Any suggestions or thoughts?
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Mar 28, 2006 2:26 am I'm hearing things about student loan rates increasing, but if you have a Stafford loan the consolidation rates are usually ridiculously low. You could consolidate and get a rate anywhere between 2% and 4% usually. What I think you should do, instead, is work aggressively to secure the lowest interest rate at this time, above and before anything else. The lowest rates are usually available to you in those first six months after college (review your exit counselling). I actually considered the 0% CC thing for myself for student loans, but the risk just didn't seem worth it. Depending on your amount, you may choose differently, though. See, the stafford loan tends to be flexible to events over a lifetime. For instance, you can get a deferrment or forebearance depending on your financial situation, if you lose your job, fall seriously ill, etc. Student loans cannot be discharged in bankruptcy, so, IMO, this comes in really handy. They do, however, get cancelled in the event of death or permanent disability... that prevents you from working, I guess. For me, a 2.625% interest rate for a $20,000 loan over a 20 year lifetime makes sense. I simply do not have that much money to pay up at once if something were to go wrong with alternate financing, so instead I pay the 100 bucks a month and have my peace of mind. The interest rate is also low enough that I could make more rewarding investments with the rest of my money instead of paying it off. But to answer another one of your questions, I do get a bill every month but it doesn't have a section for paying with CC. What I can do, whenver I choose, is to use a credit card check to pay it. MBNA Billpay and I suppose, other Billpay programs will also do the trick. I have made a payment using a $100 Thank you check from my Citibank reward points and it worked just fine.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 28, 2006 11:05 am quiznut1 wrote: I was wondering, is this possible? I'm going to be graduating soon and inevitably will have to pay these down. Do they send you a statement that gives your total balance of your stafford and unsubsidized stafford loan with a minimum payment, like a credit card? And do they give you the option to make a payment with a credit card? If they do, I might get a 0% introductory rate credit card when I get out of school and put the whole amount on the credit card at 0% and pay it down. Then transfer it a few more times between 0% cards and pay it off without any interest. Any suggestions or thoughts? They most likely won't take the charge as if you were buying gas at the gas station or groceries (PURCHASE) You could use a BT CHECK
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Juniper Bank Credit Card Credit Line Increase (cont'd.)
Guest: spjoink Post subject: Juniper Bank Credit Card Credit Line IncreasePosted: Wed Mar 22, 2006 2:49 am i got denied to for a us airways card........also, its unheard of >>>
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Guest: lawyer2be371 Credit Expert (100+ Posts) Posted: Wed Mar 22, 2006 11:42 am I have the midwest airlines card, I was told when I first got approved that I would be eligible for a credit line increase in 4 months, that was in November, I called Monday and they told me that credit cards account are eligible for increase in 6 months, I was like ok, what can you do but wait...I guess, I cant complain, I was approved the Midwest Airlines and the Mailbox Visa, I applied in the same day, and although the customer service lady told me that I would be denied for the Mailbox visa, they did give it to me, ony 250.00, but its a card.....That was December
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Guest: shwooz Posted: Mon Mar 27, 2006 6:45 pm I have had a Juniper Mastercard for approximately 6 months now ($250 credit line)(LOL), with a flawless payment history. I called today to see if I was eligible for a CLI with or without a soft hit on the report.(I would not authorize a hard pull). They instantly denied the CLI request and told me to be patient, they review all accounts periodicaly. Only problem with that is, if you charge even $150 on that card and that balance hits the report, your score gets nailed for high utilization. I've really never had any kind of problem with them, but they do seem a little on the stingy side.
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Guest: sammy262 Posted: Mon Mar 27, 2006 7:22 pm My wife and I each got the USAir Mastercard issued by Juniper Bank. Apparently Juniper took over USAir's card from Bank of America. They offer no annual fee for first two years, 15000 bonus miles, triple miles on US Air purchases and 1.5 miles for all other purchases the first year. There was also a $99 companion certificate and a complimentary day pass to the US Airways Club/Lounge at various airports. There was also an offer of $75 off USAirways Club membership, but that held no interest for me. Bonus miles were promptly credited after first purchase, online payment was easy, and we've already used the companion certificate for a Charlotte-Seattle flight in the fall on our way to an Alaska cruise. We each had enough ff miles for a free flight but we couldn't get the exact flights we needed. But hey, that beef is with US Air, not Juniper.
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Guest: gsr Posted: Mon Mar 27, 2006 11:14 pm would anyone know what report they pull in california? Thanks
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 28, 2006 11:07 am JUNIPER is a TARGETED credit card WHAT THAT TARGET IS...I HAVE NO IDEA!!!
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Juniper Bank Credit Card Credit Line Increase
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: Juniper Bank Credit Card Credit Line IncreasePosted: Sat Mar 18, 2006 6:41 pm What is your general impression of Juniper bank? How are they to work with on CLI's? The card itself is very pretty _________________ Average credit score: 709 !!!!!! WOOOHOOOOOO
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Mar 20, 2006 6:10 pm Tom- Greetings and thanks for the post. Did you check our consumer reviews section? http://www.cardratings.com/cardreviewfr.html _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 6:17 pm I have. I did NOT like what I read. But alas, I found this board AFTER I had accepted the offer. I'm still within my first 6 months with them so, we will see what happens. AT this point I;m expecting a serious jacking of the interest rate as they don;t decide it until the promo 0% offer ends after 6 months with the card. To be continued.... _________________ Average credit score: 709 !!!!!! WOOOHOOOOOO
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 20, 2006 8:16 pm DENIED 3 TIMES
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Guest: fitz75 Posted: Mon Mar 20, 2006 9:30 pm I have a emigrants direct mastercard through juniper. It only has a 1k credit limit with an interest rate of 20.49, but I am in the rebuilding process so I cant complain. I charge some stuff on it and pay it off in full every month so the interest rate isnt really an issue with me. The rewards decent with 1.25% cash back
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Mon Mar 20, 2006 10:00 pm mouse wrote: DENIED 3 TIMES They denied THE Mouse !!!!! Where are my scissors! Since I have a Juniper card....would a nya nya nya nya nyaaaaaa be inappropriate? _________________ Average credit score: 709 !!!!!! WOOOHOOOOOO
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Mar 21, 2006 11:52 am Tom, Love your sense of humor. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Tue Mar 21, 2006 1:01 pm And I'm easy on the eyes too. _________________ Average credit score: 709 !!!!!! WOOOHOOOOOO
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