bill875

Careful on the checking, they charge $8 (I believe) a month unless you have direct deposit with them OR pay a minimum number of bills through their bill pay system. I've found it takes a LONG time for deposits to post when I use their REMOTE DEPOSIT on my smart phone. As there are no branches near me, to get the fastest results I have to visit one of NASA's cooperative branches (they are numerous). Quietman In regards to Remote Deposit from my Android phone, I found that if the deposit is under $300, the deposits post immediately to my account. If a deposit is over $300, they will hold a portion of it for up to two business days. I don't see that as a big deal and it has worked flawlessly for me. I opened my account while living in Illinois and now live in NC and they have been pretty good to work with.

I emailed the EO on Friday, received a call Monday evening and both of my MC's were PC'd to Quicksilver with 1.5% Cash Rewards. One of my cards has a $59 AF, but was fully credited back to me. I plan on calling next year to have it removed permanently. My current limits are $2,400 and $2,600 and I asked for a CLI to $5,000 on both cards and did not want anything less. The representative told me she would forward the request to the Senior Underwriters for review and it would be a soft pull. I explained that I had to use my WM Discover card for a large purchase recently due to not having a high enough limit on CapOne, plus no cash back at the time. I was hoping she would include that for the Senior UW to see. I have not yet heard back from the EO, but neither account has changed on the website to reflect a $5,000 CL. I'm beginning to wonder if the Senior Underwriters denied me for some reason. My TU is in the low 700's, but my UTIL is around 52% overall. All 3 reports are clean with no lates or negatives.

Not at all, we all have different situations and it's great they are willing to help people out with their BLP. Other card issuers don't even offer a program. Thanks again for your replies.

Thank you for the reply. I was never past-due on either account, even prior to entering into the BLP and there was no settlement involved in my situation. I hope that makes a difference in their eyes as I have not done anything to hurt Chase, other than not making them as much money as they would have liked

My financial situation has improved recently and I PIF my two Chase cards that were enrolled in their Balance Liquidation Program for the past 4.5 years at 2% interest. Has anyone been in the Chase BLP, paid off their accounts and applied for a new Chase card? If so, were you approved/denied? Should I wait a while before attempting to apply for a new card? My scores are in the low 700's and should be improving in the next 6 months as my 4 recent inquiries age. I'm not sure how Chase looks at the BLP in regards to future credit worthiness. I know my CR's show the two Chase accounts as Closed by consumer, but I'm not sure what their internal records show and if it is derrogatory for me to have been enrolled in the program.

There isn't a monthly payment, but there is a 1 time 2% fee. I think you can pay it upfront if you have it but mine is just being added into my loan amount. harmstrong, I thought there was a monthly fee for Mortgage Insurance. My loan has a Rural Guarantee Fee of $2724.41, plus a monthly Mortgage Insurance payment of $33.38.

I'm not trying to hijack this thread, but my BK7 is also due to fall off in August. I just got pre-approved for a USDA Guaranteed Mortgage and have a commitment letter to buy a home for $140k. Would it be OK to dispute the BK7 as obsolete now, or would it be best to wait until I close on a home?

Good evening Brian, I spoke on the telephon with someone local at Wells Fargo Home Mortgage. She ran some numbers for me and said that I would likely qualify for a $120,000 FHA loan at an interest rate of 3.75%. She estimated a monthly payment of around $795/mo. - factoring ins. & taxes on the high side to be safe. This would put me right at 41% DTI (Mortgage/CC/Car payments combined). I have an appointment with her tomorrow to submit for Pre-Approval, but I'm getting cold feet because she said I made too much money to qualify for a USDA loan which seems wrong. I asked her if she was sure because I looked up the USDA Guaranteed income limits (http://www.rurdev.usda.gov/SupportDocuments/NC%20GRH.pdf - 2nd page down toward the bottom) for Hickory, NC and it shows $74,750. As said before, I currently make just over $60,500. It would really help to NOT have to come up with a down payment and USDA Guaranteed is the route I'd like to go. I'm worried that they don't have my best interests in mind. Would I be better off working with another lender or perhaps a mortgage broker or perhaps yourself? Thanks again for your assistance.

Excellent Brian, thanks for the quick reply.

Thanks for the advice everyone. Yes, I have a significant amount of CC debt that is mostly on a low-ish interest rate on my Patelco CU Visa card. I know it would be best to wait two more years, but I am just throwing away money by paying rent. With my Apt. Lease renewal coming up in a few months, I'm guessing they will be increasing my rent at least $30-$50/mo. due to the foreclosure situation and all of those folks now renting and unit availability is low. Brian B... $140-$150 k a month? Or did you mean a $140-150k mortgage? Also, I made a mistake on my FICO score date, I pulled my scores today, not in 2011. Ooops! So if my middle score is 659, would I possibly qualify? EX is always my lowest. Big jerks they are I'm between Charlotte and Asheville in ZIP 28602 (Hickory, NC - Catawba County) and homes are pretty affordable around here. I'm finding some nice homes within a 10 mi. radius that fit my needs in the $110-130k range. Insurance runs my co-workers anywhere between $600 and $750/year and hurricane risk is very minimal here. The tax rate is right around 1% depending on the area. I'd really love to find a foreclosure for 95k or less, but I don't know the best way to go about that. I would guess that contacting Wells Fargo or some other bank for Pre-approval is my first step to see where I truly stand. Agree/disagree? Thanks again for your assistance

I'm interested in purchasing a single family house: 3BR/1.5+Bath and I'd be a first time home buyer. Here are the details of my income... I live in North Carolina, make $60,500/yr Gross and have been with the same employer for 16 years. My current Car Loan/Credit Card payments are: Car Payment: $495.16/mo. Will be PIF 1/2014. Credit Cards: $822/mo. (All min. payments combined). I have a 401k valued at ~$41,000. FICO Scores: TU:693 - EQ:659 as of 2/21/2011 (myfico.com). I would have very little money to put in toward a down payment, so a USDA loan is the most attractive. Thank you for any information and guidance you can provide. I've been lurking around for a few days and I'm new to this. If there is any additional information needed, please let me know and I'll reply ASAP.

I wonder if we will keep the automatic extended warranty coverage they provided with the Platinum card.

I'm interested, but it seems none of my CC issuers are. I don't have accounts with Chase/Citi/BofA, etc., so I probably stand no chance of seeing VCC's anytime soon.

Looks like my recently paid off Juniper card jumped from $3500 to $4200. Not to shabby, but @20.24%, it is a PIF card now.