Meltz

I remember way back when everyone use to use USAA CM for their daily pull on all 3 credit reports. I see USAA CM does it every 30 days now. What does everyone use now? I don't need to pull daily but twice a month would be nice. Thanks!

Not true. Everytime I have requested over the phone it's been a soft. Requested on 2 cards about 3 times each.

Lol. I'm waiting for the 100k offer too.

Awesome for me because I live in Vegas so anytime I leave Vegas I would be able to use this lounge. I don't travel much but after reading this thread, if I just travel a couple times a year and also wait for the 100k sign up bonus I would be able to make use of the annual fee.

Definitely keep us updated on this! I didn't know Walmart gave out limits around 10k. Might have the itch to apply for free TU score, and seeing that they pull TU isn't a problem as well. Question is would I use the card? Not sure about that one. Also wondering now that I think of it, why does walmart pull TU and I've heard Sam's club Discover pulls EQ. Don't they go through the same bank, or different ones? However you don't get a free TU score with Sams club discover, is that right?

I tried that, however since I got that CLI, they might be able to upgrade me now since I am over 5000 limit. From what I was told though, they said I would have to reapply and be approved for the World MC version initially.

Just called barclays, took another TU pull and requested CLI. I've had the card for about 5 months, limit was $4500, the analyst admits she made a mistake when I was initally approved for the card, entered $4500 limit instead of $5000 which didn't give me the world MC, and was UNABLE to fix HER mistake, I was pissed!! So I lived with it and put about $6000 through the card within those 5 months, balance currently stands at $1900 with $4500 CL. I have been taking advantage of the 0% APR on this card, could pay it off now but I will probably make 2 more payments and pay it off by the end of the month. The analyst claims I could reapply for the World MC when I pay off the balance (another pull, really) and I'm hoping they will just transfer this limit to the world MC and cancel this card I currently have. Anyway Just called for CLI and she approved me for $10,000. Nice bump but still pissed they messed up my account initially keeping me from getting the World MC version. First experience with Barclays and it has not been a good one at all until this CLI. Anyone been in this possible upgrade situation?

I just had a question about my statement end balance. First off i always pay my balance in full, i previously had a statement end balance of around $180 and i had just returned something that was $115 and was included in that statement end balance. My question is do I still have to pay the $180 to not incur interest charges even though the $115 already credited to my account or would I just pay the $180-$115 = 65? And would be considered paying in full since the $115 was already credited back? Never thought about this situation before. Thanks in advance!

I just applied for a DCU membership because of all of you, thanks. I already sent a copy of my drivers license so we'll see how long it takes for them to get back to me.

I wouldn't mind getting the venture card from cap 1 however, I'm not ok with them pulling all 3 credit bureaus. Anyone had any luck with them only pulling 1 by going through the executive office?

That sounds accurate because I called as well and they told me I would get $25 every time I redeem $100. I said I heard you wernt doing that anymore and she said no we still are.. So I don't know what that means or how long it will last..

What's the best way to earn the most on your money?

I just received the card today. I can confirm the no annual fee and that's about all the info it came with. Looks the same as my old dividend card except its mc and it says world elite. Overall happy I now have a mc!

I had her apply for both the AMEX Green as well as the Chase Freedom, to our surprise, she was instantly APPROVED for the Green!! We were totally shocked! Freedom is under review, I will have her call tomorrow to see what the status is on that. I will keep everyone updated, thanks again for all the help and opinions!! Greatly appreciated! I might soon be bobwang the scientist #2

How is her AAOA almost 2.6 years ? student loans? but since my friend got a Freedom card today, he had about 3 years AAOA and only 1 credit card (Discover) they told him he had a limited history even with a 730 Fico score that they gave him $500 starting limit.... but hey whatever gets your foot in the door, and you should be able to recon up, but personally knowing this I would add her on your cards as a authorized user even for a few months just to get her foot in the door at a higher limit etc. I was thinking about it but no I wanted to help her build her credit on her own.. were not married so I don't believe in adding people to my credit lol. And yeah I believe AAOA is so high because thats when the student loans started reporting. I have a good feeling she would get freedom, I have read people getting approved with scores above 650.