MsDana

Umm... nope. Then, umm, consider yourself special.

rslifkin, congrats on your approval and I'm sure you are being more responsible these days; we are all trying to be more responsible. It's easy to get hooked on an app-spree, but do some gardening. You may be able to get one more GEMB before the denials come in. I can't get a Kohl's card to save my life, but Macy's and Bloomie's love me! I have two GEMB cards and was denied for an Old Navy. I'm just going to garden and get that Old Navy card when the time is right Seriously, I used to think that this was a forum for informative, useful contributions. Lately, I see a whole bunch of useless comments that have nothing to do with the original post and then the followers creeping in to add their two cents to a negative comment. We are ALL here because of past and present credit issues, no one is better than the another - we all put our pants on the same way (one leg at a time). Bringing up useless past discretions is pointless and shows a complete lack of moral character and serves no purpose other than to make someone person feel bad.

Navy Oh! Yes, they do that automatically to me as well; however, they only do it if I make a purchase - not a payment

hmm was it when you made a payment? Have they done it more than once? Your answer is more interesting than my question Yes, they have done it more than once and no, it's not just when I make a payment. I always make a nice size payment before the statement cuts. However, if I make a purchase/payment, it seems my CRs are updated within days to reflect the new balance. I have other GE-backed cards, but Walmart is the only one to do this. It's interesting to me as well.

I would assume it depends on the creditor. Walmart has updated mid-cycle for me (automatically, didn't ask), other creditors haven't. Doesn't hurt to ask, though.

Why wouldn't they validate?? An OC still report a balance and you can still owe the balance despite it being "charged-off". If they SOLD the debt, then they would have to report a zero balance and whoever they sold it to could report it as a collection account with a balance due. If my memory serves me correctly, even though Capital One did not issue your card, they are keeping control of the Chase-issued cards. I believe it doesn't matter who issued/backed the card, it is still a Kohl's card. Check your Terms of Agreement when you were issued the card. Someone chime in here if I'm wrong....

Anyone? Bueller?

Congrats!! I am in love with my Amazon card! You may want to check the Creditpulls section to see non store credit cards you may be approved for: http://creditboards.com/forums/index.php?app=creditpulls Hope that helps!

I'd be interested in getting information on this as well...all my collection accounts are gone. The only baddies are the charge-offs from 4 years ago. Wondering how much of an impact they have now???

My approval last month was instant, but I had to call in and verify some information before using my card number online (same for Bloomies). I'd be hesitant about giving my ss# over a chat session. Call them instead.

Girlspot, can you point me in the direction of FTC and Midland issue you referred to in your earlier post? Thanks!

+1 It would help if we had some pertinent information so we can guide you along....we like to help, but unfortunately we can't read minds.

It looks like the customer service rep, Cameron, I spoke with last night was WRONG. I just received an email - denied for chexsystems. At least it wasn't a hard inquiry on a credit report and I still have NFCU and my home bank LOL

Well, after reading the responses on this thread, I decided to apply. BEFORE I applied I called customer service and asked a very nice gentleman, Cameron, if they pull a credit report and if they use Chexsystems. He said NO to both of them. So I applied, answered some verification questions, then received an application confirmation number, and a notice telling me that I will be contacted by a member of their staff for further details. I funded my accounts using my NFCU check card and printed out the signature card to mail and sign. I called this morning to make sure I did everything properly and Celeste said they were backlogged (imagine that), but I will get my login information by the end of the day.

+1 with virtualtreasure. There are few resources for all the things you are looking for in a BT. What about a local credit union? I found a local one recently and have been very happy with their customer service and products that they offer. However, I don't have $15k debt, so that may limit your options. How long have you been with NFCU? Do you only have the one card with them? Can you apply for a different card and do a BT? Sorry if this is a dumb question, but Navy has been good to me and others. Why won't PenFed give you a CC with your scores? What are their reasons for denial?