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Approved for American Express Clear Credit Card
Guest: aman74 Post subject: Approved for American Express Clear Credit CardPosted: Tue Apr 25, 2006 10:23 pm [quote="QikPass"]Amex has a range when you apply. If you uncomfortable, fudging about your income, just remember that you need to use the "household" income. That includes the dogs income...(dosent your dog earn at least 60 000?). I prefer the AMEX Blue (not blue cash), as it gives 0% on purchases and balance transfers for 15 months with a faily decent rate after the 0% is up. Of course at that time, if u still carrying a balance, call them and ask to have your rate lowered. Process for CL increase at activation is as follows. Apply online for the card. When you get your card, dont activate the card via the automated number. Call the number on the back of the card and speak to a CSR.tell them you want to activate the card, but to do so you need to have the limit increased . They will ask how much you want, ask them whats the max u can get . AMEX usually matches or goes over your highest current card limit. You can also include the balances you want to transfer with your online application, saves you some time and kinda almost guarantees that you'll get that large limit...especially since you already have a high score and a decent record of credit. Note that AMEX gives up to 25 000 without needing to verify income, so use that as you maximum that your asking for. Good Luck..[/quote] Applied today for Clear. Got a pretty low limit of 5800 via the online app. I will call when I get the card like you mentioned. One thing I did notice is that the 0 APR isn't on balance transfers. Just purchases for 12 or 15 months. But 3.99 fixed for life of transfer is nice.
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Guest: QikPass Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 8:05 pm Congratulations. When u call them, ask " What is the most I am pre-approved for?" And let them give u that limit. One month later, just click on the credit limit increase button online and see if you will get another increase. They allow increases usually every month. If a form pops up, hit cancel and wait till the end of your next statement period. Good Luck. _________________ Fortune Favors The Bold...
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Guest: aman74 Posted: Fri Apr 28, 2006 4:32 pm [quote="QikPass"]Congratulations. When u call them, ask " What is the most I am pre-approved for?" And let them give u that limit. One month later, just click on the credit limit increase button online and see if you will get another increase. They allow increases usually every month. If a form pops up, hit cancel and wait till the end of your next statement period. Good Luck.[/quote] Thanks, I just thought 5800 was kinda low. Hopefully it will go well on the phone. Thanks for your help and I'll update when I find out.
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Chase Credit Card with Two Cycle Billing
Guest: aman74 Post subject: Chase Credit Card with Two Cycle Billing Posted: Thu Apr 20, 2006 11:49 pm [quote="QikPass"]Many of the newer CHASE cards have two cycle billing. My oldest chase card got convererted to this for of billing after i called in to request a lower rate, so watch out. [/quote] Does it actually say two cycle on your paperwork? I'm trying to determine if that's what I am on. Did they notify you of the change? Thanks
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Guest: QikPass Credit Expert (100+ Posts) Posted: Fri Apr 21, 2006 10:44 am Its in the Term of Agreement letter they send you. Other than that, I havnt seen any notation on my statements or online. Of course you can always call them up and ask them to send you a copy of your term of agreement letter in the mail if you cant find yours. _________________ Fortune Favors The Bold...
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Guest: aman74 Posted: Fri Apr 21, 2006 12:13 pm [quote="QikPass"]Its in the Term of Agreement letter they send you. Other than that, I havnt seen any notation on my statements or online. Of course you can always call them up and ask them to send you a copy of your term of agreement letter in the mail if you cant find yours.[/quote] It's on my statement every month. It states how the APR and finance charge are calculated, that's why I'm asking if yours actually says 2-cycle. Mine says average daily balance, but the wording seems different than usual.
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Guest: QikPass Credit Expert (100+ Posts) Posted: Fri Apr 21, 2006 3:30 pm mine says the same thing, but the Terms of Service tells the real story. 2-cycle. _________________ Fortune Favors The Bold...
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Guest: aman74 Posted: Sun Apr 23, 2006 12:43 am [quote="QikPass"]mine says the same thing, but the Terms of Service tells the real story. 2-cycle.[/quote] Thanks for the info. I had read an article where it said that it would state 2-cycle, but I didn't believe it. Knowing the credit card companies they want you to have to really search for the info. Now I just have to study these Amex offers. Trying to see what is bad about Clear for me.
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Choose a Credit Card with a Promotion That Works for You
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: Choose a Credit Card with a Promotion That Works for You Posted: Thu Apr 20, 2006 5:00 pm Aman, Thats kinda my point in a round a bout way. Looking at the cards, I see no real difference other than whuch card is running which promotion at any given time. That geing said....choose the promo that best fits your needs and don;t worry about which card it is. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: aman74 Posted: Thu Apr 20, 2006 5:11 pm [quote="TomfromCT"]Aman, Thats kinda my point in a round a bout way. Looking at the cards, I see no real difference other than whuch card is running which promotion at any given time. That geing said....choose the promo that best fits your needs and don;t worry about which card it is.[/quote] Thanks, I'll have to look them over more carefully. What didn't you like about Clear as the rates looked a little lower? I just want to make sure I get the right one. I didn't know that cards changed so much based on promotions. Does anyone know if all Chase cards use 2-cycle billing. Mine says average daily balance which is the same as Amex. I wonder if since my card is years old I was grandfathered in to a card that doesn't use 2-cycle billing. I doubt it though as I had it when it was Bank One and card companies tend to change the details of your deal as they see fit.
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Guest: QikPass Credit Expert (100+ Posts) Posted: Thu Apr 20, 2006 6:18 pm Many of the newer CHASE cards have two cycle billing. My oldest chase card got convererted to this for of billing after i called in to request a lower rate, so watch out. Aman, the only reason i prefer the blue is because of the extra 3 months of 0% interest. You would need to run the numbers for yourself and see if its worh taking that card or clear for about a % point lower , no fees, and less 0% time etc. My personal opinion ( not that it really matters to anyone but myself) is that cards that charge no fees for missing payments etc is a waste of time, because late/missing payments screw up your credit reports/score, and within the company's internal system flag you as a less that A++ customer so that you may not get the very best rates they have to offer. Just My Two Cents.. _________________ Fortune Favors The Bold...
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Guest: aman74 Posted: Thu Apr 20, 2006 6:27 pm I don't have any problems with missed payments. Not sure where I implied a preference for a card that excuses this. I didn't mean to if I did. I was just looking at the Clear having 3.99 on transfers opposed to 5.99 and the rates for APR were slightly higher with blue as well and no balance transfer fee. I'm no expert so I'm just trying to see if I'm missing something here. Maybe I'm not even being charged 2-cycle currently, I'm not sure. It says average daily balance. Either way, switching to a 0 APR with a low APR after that on a transfer is a smart move for me currently. I just have to find the right card.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Apr 20, 2006 11:10 pm AMEX doesn't use 2-CYCLE BILLING
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Apr 20, 2006 11:12 pm 0.00% BT 2-CYCLE IS THE EXACT SAME INTEREST (assuming it is PIF 100% before the BT expire date)
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Which American Express credit card offer is best?
Guest: davej Post subject: Which American Express credit card offer is best?Posted: Thu Apr 20, 2006 2:12 am Interesting.., I didn't know it didn't apply every month you carry a balance... Yeah, you're right, looks like it's nothing but a grace period killer trick... Thanks for the info, Polonius! P.S. I know who Ira Stoller is, but who's Detweiler?
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Apr 20, 2006 8:56 am She's a noted credit expert and great friend of http://www.CardRatings.com: http://www.ultimatecredit.com _________________ 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: aman74 Posted: Thu Apr 20, 2006 3:26 pm Hi QikPass, I checked out the Blue and noticed the Clear card has 0% up to 12 months and fixed 3.99 apr on balance tranfers with no fee. What I don't see is the APR on the Blue card for balance transfers after the 15 months. And I don't see the purchase APR for either card. Do you happen to know what they are? I assume AMEX doesn't use 2-cycle billing? At least not yet, lol. Edit: Sorry, I found some of the APR info on the site. Looks like overall the Clear has lower rates. Any reasons to pick the Blue over it? Thanks much!
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Thu Apr 20, 2006 4:01 pm Blue, Clear, Optima really..... is there any difference other than promotions running at different times? Well. I think Optima looks the best followed by blue. I find clear unattractive. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: aman74 Posted: Thu Apr 20, 2006 4:53 pm [quote="TomfromCT"]Blue, Clear, Optima really..... is there any difference other than promotions running at different times? Well. I think Optima looks the best followed by blue. I find clear unattractive.[/quote] I appreciate the reply, but it doesn't help unless you qualify your statements. not sure what's wrong with the quoting option on this site. If there is no difference how do you have an opinion on what's best? I'm looking for opinions on which card would be best for me and my situation currently. Your needs may be different.
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Credit Line Increase on New Credit Card Account
Guest: aman74 Post subject: Credit Line Increase on New Credit Card Account Posted: Tue Apr 18, 2006 1:28 am [quote="QikPass"]Amex has a range when you apply. If you uncomfortable, fudging about your income, just remember that you need to use the "household" income. That includes the dogs income...(dosent your dog earn at least 60 000?). I prefer the AMEX Blue (not blue cash), as it gives 0% on purchases and balance transfers for 15 months with a faily decent rate after the 0% is up. Of course at that time, if u still carrying a balance, call them and ask to have your rate lowered. Process for CL increase at activation is as follows. Apply online for the card. When you get your card, dont activate the card via the automated number. Call the number on the back of the card and speak to a CSR.tell them you want to activate the card, but to do so you need to have the limit increased . They will ask how much you want, ask them whats the max u can get . AMEX usually matches or goes over your highest current card limit. You can also include the balances you want to transfer with your online application, saves you some time and kinda almost guarantees that you'll get that large limit...especially since you already have a high score and a decent record of credit. Note that AMEX gives up to 25 000 without needing to verify income, so use that as you maximum that your asking for. Good Luck..[/quote] I appreciate you and everyone else taking the time to reply and help me out, this is great. I will definitely look into going this route.
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Guest: davej Posted: Tue Apr 18, 2006 2:57 am Quote: -So with no job, was stopping the increases a good move? -My balance is getting close to the 50 percent mark, I hear that is a negative so am wondering if it's best to let the card limit increase. If you're close to 50% utilization, definitely a CLI will help. I see no point in stopping the increases regardless of your job situation. Unless, of course, you cannot resist the temptation to tap into the money sitting there, especially given your financial troubles, and drive yourself into more debt when you see no income coming in yet... Quote: -I don't pay late, but is it better to pay early? I thought it didn't matter, but I saw reference that it can help If by 'paying late' you mean close to the due date, then IMHO paying early might help in that you have a time cushion in case your payment bounces or doesn't go through for some reason. In that case if you paid early, you'd have time to make another payment before it's due. Quote: -I'm disturbed to hear that Chase uses 2-cycle billing. Does this affect me since I carry a large balance? I do sometimes have new purchases as well. Well, sure that affects you. In short, if you're building debt then it actually works to your advantage, but if you're reducing your debt (which you should be doing eventually), you pay more interest than you'd pay on the same APR card using one-cycle billling. There was a post or link somewhere in this forum to a good explanation of 2-cycle billing. Quote: -Any tips on gettting a better rate from Chase? I got mine reduced to 9.99 fixed by speaking with an analyst there. I had my Chase for 2 years by then, so calling might do the trick. I had no balance when I called though...
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Apr 18, 2006 9:52 am How is two cycle billing ever better for a debtor than one cycle billing, all rates being equal? Please explain. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: davej Posted: Wed Apr 19, 2006 2:26 am Here's how I understand this. Like I said it works only when your debt is increasing month to month. Billing cycle 1: Your balance goes from $0 to $200 Billing cycle 2: $300 Now with two-cycle billing in at the end of cycle 2 your rate is applied to the average of these two, that is $250 instead of $300 (as with one-cycle). Well, it's the average daily balance in fact, but it should work to roughly the same effect I guess... However, I'm not saying it's good for a debtor, no way, since when you start paying down, you'll have a mirror image, retroactive charges and whatnot...
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Apr 19, 2006 11:07 am I didn't think it worked that way. I'll have to check on this... Thanks for posting! _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Apr 19, 2006 11:20 am No, it doesn't work that way. Check this article: http://www.wistv.com/Global/story.asp?S=2990922 It quotes some people named Detweiler and Stoller. Now, WHERE have I heard those names before? And check the definition here The point is that the two-cycle computations don't apply every month you owe a balance--it's basically a way to kill the grace period for purchases when you don't pay in full each month. You get charged retroactively for those purchases for the second cycle what you weren't charged in the first. From then on, assuming you're still carrying a balance, you're charged on your average daily balance for that month as usual. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Apr 19, 2006 6:45 pm Quote: It quotes some people named Detweiler and Stoller Hmmm...those names do sound familiar. _________________ 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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Should I close the accounts of my older credit cards?
Guest: aman74 Post subject: Should I close the accounts of my older credit cards? Posted: Mon Apr 17, 2006 4:06 pm I'm not always able to PIF unfortunately, that's why I posted for suggestions. I don't have a cell to use as a work number. In a time of financial stress I hate throwing away money with Chase. Even in good times there's no sense in wasting money. Anyone have any tips on the questions I posted?
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Guest: QikPass Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 5:03 pm First of all...dont close your older cards. Since you have a relatively high credit score, try applying for a new card with a 0% balance transfer offer for 12 or 15 months . I have 3 AMEX cards and they have never once called to verify my employment. I would use your last employer on the application form and maybe put a relative or friend's cell as the work number. I would recommend AMEX as they give generous limits and the 0% is also for purchases for 15 months. When your card is being activated, call them and ask for a limit increase if the dont give you a limit to cover your entire balance, but with a 23000 CHASE card already in your possession, they will probably start you off around a 25000 limit anyway. Balance transfer whats on your CHASE card to your new AMEX card and pay the minimum until you are able to get back on your feet. You may have to eat a $75 balance transfer fee, but with such a large balance at 0%, its nothing compared to what you will save on the interest. Good Luck.. hope this helps. _________________ Fortune Favors The Bold...
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Guest: aman74 Posted: Mon Apr 17, 2006 5:38 pm Yes, thanks for the help. Is there a problem with not being forthcoming about income? My last job didn't even pay that much, so I don't know what to put. I have a high FICO I guess since I believe I have only missed one payment in 15 years of accounts. Is it healthy for your credit score to change from a long standing account? Which Amex do you prefer? I was looking at the Costco one since I thought about signing up there, but I believe the rate isn't that great since it's a rewards card. When you say "call when it's being activated" what is the exact process here. Just not sure if you mean to apply online and then I will have time to call? Do I apply while doing the transfer or should I apply first and then transfer? I just want to know I'll be able to do the transfer with the limit they give me. Some cards have you put the amount you would like to transfer to them at the same time you are applying. I just don't want to get into the game of switching cards everytime the 0 percent expires. Does Amex have something that defaults to a decent rate after the 0 percent expires. Should I allow Chase to keep raising my CL in my current circumstance? Thanks to all who have chipped in so far.
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Guest: QikPass Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 9:22 pm Amex has a range when you apply. If you uncomfortable, fudging about your income, just remember that you need to use the "household" income. That includes the dogs income...(dosent your dog earn at least 60 000?). I prefer the AMEX Blue (not blue cash), as it gives 0% on purchases and balance transfers for 15 months with a faily decent rate after the 0% is up. Of course at that time, if u still carrying a balance, call them and ask to have your rate lowered. Process for CL increase at activation is as follows. Apply online for the card. When you get your card, dont activate the card via the automated number. Call the number on the back of the card and speak to a CSR.tell them you want to activate the card, but to do so you need to have the limit increased . They will ask how much you want, ask them whats the max u can get . AMEX usually matches or goes over your highest current card limit. You can also include the balances you want to transfer with your online application, saves you some time and kinda almost guarantees that you'll get that large limit...especially since you already have a high score and a decent record of credit. Note that AMEX gives up to 25 000 without needing to verify income, so use that as you maximum that your asking for. Good Luck.. _________________ Fortune Favors The Bold...
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 9:31 pm credit obtained via deception is FRAUD.... besides the obvious problems.....credit obtained through fraud is also not dischargeable via bankruptcy. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Apr 17, 2006 11:05 pm FRAUD??? Where did that come from???????? That applies to somebody applying for a card that they have no intention on paying using YOUR information... Or using YOUR card they took from you with-out your permission
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Credit Card Account with Two Cycle Billing
Guest: aman74 Post subject: Credit Card Account with Two Cycle BillingPosted: Mon Apr 17, 2006 12:48 pm Hi all, nice board you have here. I need a little help with a couple questions. If someone has the time or inclanation to answer it will be much appreciated. My FICO is around 760, but now I am unemployed. My current main card is a Chase Platinum that I have had in good standing for years. It is a variable rate that I believe is around 13 percent right now. They keep automatically raising my limit. It's around 23,000 right now. I see from reading here that these raises are good, but awhile back I had asked them to stop as I didn't want my potential debt to be too high. I have some older cards as well, but heard it's best not to cancel the unused ones. -So with no job, was stopping the increases a good move? -My balance is getting close to the 50 percent mark, I hear that is a negative so am wondering if it's best to let the card limit increase. -I don't pay late, but is it better to pay early? I thought it didn't matter, but I saw reference that it can help -I'm disturbed to hear that Chase uses 2-cycle billing. Does this affect me since I carry a large balance? I do sometimes have new purchases as well. -Any tips on gettting a better rate from Chase? -I'd like to get a new card, but with no job will it be tough? That's why I thought it might be easier to negotiate a lower rate with Chase, but then I'm still stuck with 2-cycle billing. Thanks all! Peace
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 1:10 pm what's 2 cycle billing? you also have a high credit score. how long have you been unemployed? what you could do is apply for a new card, use your old employers address, use your home phone number for contact. use your cell # for a work number.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 1:30 pm you can look up 2-cycle billing. There has been a lot of threads on it. You shouldnt carry a purchase balance. Always pay in full so you dont have to worry about it.
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 2:33 pm maddybeagle wrote: you can look up 2-cycle billing. There has been a lot of threads on it. You shouldnt carry a purchase balance. Always pay in full so you dont have to worry about it. ok, i always do PIF, so no need to worry
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 2:33 pm maddybeagle wrote: you can look up 2-cycle billing. There has been a lot of threads on it. You shouldnt carry a purchase balance. Always pay in full so you dont have to worry about it. ok, i always do PIF, so no need to worry
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 2:33 pm maddybeagle wrote: you can look up 2-cycle billing. There has been a lot of threads on it. You shouldnt carry a purchase balance. Always pay in full so you dont have to worry about it. ok, i always do PIF, so no need to worry
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 2:33 pm maddybeagle wrote: you can look up 2-cycle billing. There has been a lot of threads on it. You shouldnt carry a purchase balance. Always pay in full so you dont have to worry about it. ok, i always do PIF, so no need to worry
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Credit Cards from USAA and American Express
Guest: tonyb Post subject: Credit Cards from USAA and American Express Posted: Fri Apr 28, 2006 9:49 am I can't recommend USAA enough. I'm excited about the new Amex. I already have an AMEX and a USAA card, but I might just get this one anyway. My father was an officer, so my family gets to join USAA. I get cheap car insurance (better rates than Gieco). With most financial companies, I always get the feeling the relationship is somewhat adversarial. You have to be ready to battle when there's an issue that needs to be addressed, especially credit card companies. I've never gotten that impression from USAA, they've always been my advocate rather than my adversary. I think it used to be an officer-only thing, but I think they allow non-coms and enlisted too now (and their families). Not sure though.
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Guest: fitz75 Posted: Fri Apr 28, 2006 11:18 am You are correct Tonyb, they do allow all military, enlisted or commissioned. I also agree that this is a great company to be part of. I do all the business I can with these guys. USAA has bent over backwards to help me when I needed them. They have my loyalty
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Guest: HJMo Posted: Fri Apr 28, 2006 4:12 pm fitz75 wrote: Yea I applied and got mine last night. You need to have some sort of military affiliation. A good reason to run out and join the marines! Can you provide some information about the card rewards structure? Thanks. _________________ HJMo
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Guest: HJMo Posted: Fri Apr 28, 2006 4:17 pm fitz75 wrote: You are correct Tonyb, they do allow all military, enlisted or commissioned. Actually, it depends on the kind of products and services. Anyone can open a bank account with USAA. _________________ HJMo
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Guest: fitz75 Posted: Fri Apr 28, 2006 4:27 pm Interesting I never knew that HJMo. The credit card services fall under banking so anyone may be able to apply and get the card, not just those of us who bomb small villages (Right Fenster?!?)
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American Express Black Credit Card for Military Personnel
Guest: fitz75 Post subject: American Express Black Credit Card for Military PersonnelPosted: Thu Apr 27, 2006 2:53 pm Yea I applied and got mine last night. You need to have some sort of military affiliation. A good reason to run out and join the marines!
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 5:22 pm [quote="bullwinkle29"]http://home3.americanexpress.com/corp/pc/2004/lawsuit.asp[/quote] AMEX dropped BOA out of the lawsuit as after the merger of boa and MBNA, boa has agreed to continue issuing the MBNA co branded amex card _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: fenster Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 7:24 pm Amex says its USAA card is available strictly for personnel who have bombarded and decimated at least 2 impoverished villages anywhere in the world. _________________ beware of everything
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 8:30 pm [quote="fenster"]Amex says its USAA card is available strictly for personnel who have bombarded and decimated at least 2 impoverished villages anywhere in the world. [/quote] ..... don't be an a*****e! _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: fenster Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 9:06 pm Why Tom, mon dieu Tom! Why I, I, never thought, why, how vulgaire of toi, Tom. Why perfumed soap, rince tongue, oh non, non non Tom. _________________ beware of everything
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Guest: fitz75 Posted: Thu Apr 27, 2006 11:15 pm You out did yourself again Fenster! Man you make me laugh
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American Express Black Credit Card Offer
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
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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
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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
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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!
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Guest: fenster Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 9:17 pm So buy Windows XP MegaWhoopty Doo Edition. _________________ beware of everything
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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
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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!
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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
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Is a Phone Necessary for Credit Card Approval?
Guest: Tirnan Post subject: Is a Phone Necessary for Credit Card Approval? Posted: Thu Apr 27, 2006 7:53 pm Doing a bit of research it seems that some places won't consider issuing credit without a home phone, cell phones don't count. My family has gone all cellular for the past year and loves it. Is this a common requirement, or should I just accept limited options and shop around for issuers that will allow cell phone numbers as home phones? Am I better off just biting the bullet and throwing money down the local baby bell outlet hole?
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Guest: fenster Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 8:18 pm Absolutely not. Any functioning freind/neighbor's land line will do, you don't have to be the line's owner. Nor do CCCs run a check to match number to domicile. If they absolutely must reach you, don't fret, they'll catch ya at your work number (if employed course). _________________ beware of everything
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Guest: Tirnan Posted: Thu Apr 27, 2006 8:23 pm thanks Fenster!
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Guest: shortstop7 Posted: Thu Apr 27, 2006 9:02 pm [quote="Tirnan"]Doing a bit of research it seems that some places won't consider issuing credit without a home phone, cell phones don't count. My family has gone all cellular for the past year and loves it. Is this a common requirement, or should I just accept limited options and shop around for issuers that will allow cell phone numbers as home phones? Am I better off just biting the bullet and throwing money down the local baby bell outlet hole?[/quote] i have never had a home line! well...except for maybe when i lived in the dorms in college! i've had the same cell phone number for 6 yrs. that is my home line. no one has ever said anything to me about it. and i have a chase card, chase auto loan, and a newly issues hsbc platinum card
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Guest: Tirnan Posted: Fri Apr 28, 2006 8:09 am ok shortstop maybe I'll just list my home cellular as the number. We use 3 his, hers, and a home one. If that doesn't work out I can always use a friend or the lone relative in our area I guess. Thanks for the reply.
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American Express Credit Card Credit Limit Question
Guest: davidfronue Post subject: American Express Credit Card Credit Limit QuestionPosted: Fri Apr 28, 2006 2:17 am I think mouse you should answer this one most accurate since you LOVE AMEX do you have any of this amex card IN LA, Chicago, and NY and if you do dont you agree they are the only amex cards that start that high with credit limits I mean you cant even compare it to blue delta or hilton for someone with medium to good they will start you with 5.000-10.000 and for someone with 750 score and abowe 25.000 to 37.000 now if you ask me that is the highest I have seen and keep in mind that is Cold apply and no amex relationship what so ever when I say highest I have seen I mean to start you off with so does any one have this cards and what are the limits
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Searching for Best Credit Card for International Travel
Guest: Whiplash Post subject: Searching for Best Credit Card for International Travel Posted: Thu Apr 27, 2006 10:04 am Hello, I'm new and I wonder if someone could point me in a general direction here. I am looking for a credit card to use for an overseas trip this year. - I have good credit but not the best and building credit is not very important to me at this point. - I will need around $3000 USD for my trip so would like at least that as credit limit though I do have some money saved away for the trip as well. - I will need to pay off this trip over time as in over the course of this year and quite possibly into next year. - I will not be using the card again until this trip is paid. What do you think should be my primary focus on this search for a credit card...lower interest rate or some sort of incentives or what? I'm not very knowledgable about credit cards as I've only had a couple of retail cards in the past and one card which I still have but am currently paying off. thanks _________________ Steve
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Guest: QikPass Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 10:29 am I'd look for a card that offers 0% interest for 12-15 months on purchases. That would allow you to enjoy your trip without paying interest on it for at least an entire year. I'd give "american express BLUE" a shot if your credit is good. They usually start you off with a generous credit limit, and you can always ask them for an increase if your limit is not to your liking. Good Luck. _________________ Fortune Favors The Bold...
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Guest: rapjunkie Credit Expert (100+ Posts) Posted: Thu Apr 27, 2006 12:10 pm You may also want to look at Capital One, since they do not charge currency conversion fees... although I'm not sure whether they have any 0% offers on purchases like Qikpass mentioned above.
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Guest: fitz75 Posted: Thu Apr 27, 2006 2:32 pm My Cap 1 card came with 0% until Sept 06.
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Guest: moniqueclaire Posted: Thu Apr 27, 2006 2:36 pm Although not favorable on the exchange rate at times, Citibank is the card of choice if you are going to Asia. There are like on every other corner in the major cities (Seoul, HK, Taiwan, etc) Also with a global ATM that speaks English, this is a godsend. If you are going to Europe, especially western Europe(London, Paris) then AMEX is best as they have a good network in these cities. Either way , Visa/Mastercard rules overseas. Good Luck and take Care _________________ Knowledge is power!
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Guest: Whiplash Posted: Fri Apr 28, 2006 2:16 am Wow, thank you folks! I'm going to South Africa from the US so exchange will not that much of a concern. Your advice is VERY much appreciated!! _________________ Steve
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