bcon1388

THanks for the opinions, guys. Also, I got a letter in the mail from Citi and it appears they are offering me a CLI on one of my cards, but they want me to call buy September 9. By calling, does this mean they will be doing a hard pull?

I don't necessarily need a new credit card, but figure it's always good to have available credit. If you think I should get another card, what is the best card that will give me a high CL My score is in the 730s I have two student loans and an auto loan. I have the following C/Cs Citi Forward-8600 (About 2k balance) Citi MTVU-3600 BofA Upromise-2500 I believe Amex Gold I also am a member of DCU but do not have one of their credit cards

Do you guys think there is any detriment to calling Citi and asking them for a CLI (soft pull) I obviously don't want them to do a hard pull Thanks!

Due to the holiday rush, I forgot that my Amex Gold bill was due on the 24th. I just did an online payment through their site. Do I have to be concerned this will adversely affect my credit score?

Hey guys- My brother is applying for a student loan for $8800 for his freshman year. (Deferring interest until after graduation) Unfortunately he has limited income $3500-$5500. Myself and my parents do not want to be cosignors. He does not have any credit He applied for a Sallie Mae Loan-Instant rejection, they said he didn't make enough money Also applied for a Chase Student Loan and that was also an instant rejection. They did not provide a reason and the screen said they would mail a letter in two weeks. What should I have him do? Cosignor is not an option and I obviously don't want to keep applying for loans, hitting his credit score Should I call them up for a re-con?? Thanks!!

Hey guys- Thought I would turn to you experts for advice My friend accidentally missed paying his credit card by the due date by a day. It's obviously now paid, but is there anything he can do to avoid having his credit score be murdered Thanks!

Phone call takes care of it easily. I called and they said that since I didn't check the box in the application (Which I didn't see and am pretty sure doesn't exist haha) that said expedited delivery of the card, I can't have it expedited He also said that he believes the card has not been mailed yet and that it is still in printing. Weird because if it hasn't been mailed yet, you would think they would be able to expedite it

Ughh Ok thanks!

Hey guys- Just yesterday, I applied for and was approved for the AMEX Gold I am planning on buying a tv online, however the deal ends on the 30th. In the event that the credit card is not here by then, would AMEX give me my acct number and info over the phone so I can order the tv? (I want to use the AMEX so I can extend the 1-year warranty on the tv ) Thanks!

I got a letter from BofA stating they are discontinuing their NFL Rewards CC program and will be switching all cards over to another BofA CC. Any idea as to what card this will be? Thanks

I will try that today Thanks!

EX doesn't sell FICO scores to consumers anymore. However, it'd be illegal for them to not let you see your credit report. Have you looked at all four of your official credit reports? Only looked at TU and Eq Had one neg on TU, but that was an error, so I disputed and they fixed it so there is no negative anymore EQ was clean

I don't know I have never pulled Exp, and believe you can't pull it anymore, personally?

Hey everyone- I was considering applying for an Amex 21 y/o college student Right now I have cards w/ following limits Citi Forward-8500 Citi MTVU-3360 BofA-1700 Scores: TU-681 (Should go up due to an error on my CR that was rectified through a dispute) EQ-735 I was considering applying for the Amex green, gold, or fidelity card Thoughts?

Hey everyone- I have to charge about 5,000 on my citi forward card that has an 8500 limit, so that will obviously kill my utilization. I will have it paid off within a few months. I want a CLI due to the high utilization. When I requested a CLI through the luv button, I got the denial error. Do you think I should try and call Citi and obtain one that way (they'll probably do a hard pull, right) Or do you tihnk I should do nothing and just eat the high utilization