minnie00

we are 33 days past due...I am making a pymt tody....how late before they report to our credit usually? thanks

Dillards lowered from $7400 to $3000 (had card for 16 yrs) Neiman Marcus lowered from $5000 to $500 (had card for 15 yrs) I the saddest about this Old Navy lowered from $850 to $300 (had card 2-3 yrs)

or stictly credit scores? What if you have good scores, good income, no lates ever, but HIGH DTI??? high I mean above 60-70%. Scores are in the 650-700 ranges. Thanks to anyone who might be able to give me an idea

Help....need some ideas.... no pg, high bus exp, high paydex......but don't want the personal inq..... We have HCMC 25k, Key 4k, Staples 1k, Amazon 2k Key is fairly new...waiting for a good increase there... any other visa/mc we could get on bus credit??? thanks....I read the boards...but no new ideas popping up. How is Discover bus? do they pg?

some answers to your questions.... I have been around the boards for a long time...I know about F/R and ALL the horror stories, etc. I know amex's dislikes and likes....and NOTHING has changed in the last year with us or our credit. this is out of nowhere and prob economy related. the reason i posted was that I have NOT read about this happening to someone. ok..a limit on our gold card...come on !!! I realize its based on our income/spending but the point is they put a LIMIT on it 1000....and not one dollar over..... this card does not go unused...although we do have low spending patterns on it. we are not new to amex, been customers for 9 yrs, and have 1 charge and a couple credit. I was open and told you guys that we have BT's on the credit cards and we do not use those....and the reasons I am GUESSING they put the lid on us....I don't really know why. but I have also learned that harassing amex can open a can of worms. Our income and bank accts would pass the test...but I don't want to get F/R or CLD...you know??? I don't need a lecture on amex....been there done that.... I really just wanted to let others know about the newest oddest quirk and see if anyone else has had this problem and what they did about it.

the www address is juniper

We got a letter today informing us that we can only charge up to $1000 on our amex gold charge card. I signed online and sure enough....it shows $902 available credit. wth....ugh.... we have been members since 99. we do not use the card much but we are going on vacation in 2 wks and always use it when checking in at hotels, etc. $1000 is not enough for authorizations....this sucks !! ps...the reasons were they are not happy with us having balances on our amex credit and others and pymts too small. we have NO lates, nothing bad, and don't really use amex cards at all. (bt's) this sucks sucks.....

so you guys actually are saying the will go down?? the bank HAS to lower it...they can't just keep raising on us...right? todays cut should help too...I hope the rates stay low until our adjustment.

we have an ARM that is coming up for its last 6 mo adjustment in Apr08.....it can go up 1% and it is currently 12.125% it is tied to the 6 mo LIBOR rate which at last adjust was 5.13, but with the cuts today is 3.83%...our margin is 7.02% yes I know this is the worst loan ever...but we are stuck...no equity...no A- loans anymore.. but...anyway...that means our rate would be 10.85%....so will they actually LOWER our rate or keep it the same or raise it because they can... help...if it went down it would save us about $200...is there any chance our rate will actually go down? could this rate cut actually help us. thanks for your input.

I think we have 3-4 on exp and paydex.....don't know which ones...it doesn't show me. We have Staples (1000), Dell (10k), Amazon (1000), and HDMC (18k) personal ficos are 630ish....high util too...

We have HDMC already. exp 94 and paydex 80 but not a lot of accounts..... seems like all we have applied for turned down for PERSONAL credit scores...... advanta, chase, cap 1 bus. have a fax into Key bank. any others?? looking for a visa/mc thanks !!!

I would like to see when USAA is pulling softs on my accounts. but...I use TrueCredit..they don't show softs. I also pulled an actual EXP and didn't see softs.... how are you guys doing it? thanks,

on our credit??? 31 days or more? thanks !!

its the prime cards that worry me the most...they seem to all use "universal default". Amex didn't like that we had high balances on other cards...lowered our limits...but then thats Amex. Chase did the same thing after we PAID off a big balance with them...took us from 6000 to 900 I guess I am worried about my last great cards and I can't pay off our BT"s as fast as I would like.

a good risk...thats the key.... I am wondering about my cards that get a lot of use and usually have balances. I have bt's on some with large credit lines and don't want the CL's to shrink. there was an article on CNN money today about my exact question...and that its coming.