Joe318

Still trying to decide if I should apply or not. I'm currently a Select cardholder, but I don't have a private banking account. Hmmm...

Oh no, sad to hear that they're clamping down on applications.

http://bucks.blogs.nytimes.com/2009/12/08/...-a-charge-card/ https://www217.americanexpress.com/cards/np...ARDS/758/0/0/-1 Thoughts? I’m actually very interested in this. I’m in my very early 20s and have had my AMEX Gold charge card for about 2 years now. Would be interested in switching because of the lower AF if the benefits are relatively the same (purchase protection, baggage insurance, etc.). Just from quick glances, it seems like the travel benefits aren’t there, but the shopping benefits are.

So, it's Chapter 7. I understand that student loans are impossible to discharge. I will continue to make payments on it as I have been, so that isn't the issue. I'm just trying to figure out if it'll negatively affect my credit rating/report by linking a BK to my loans.

Well, that's disappointing regarding the hard pull. Hmmmm...does Elite require 10k?

Where is the button? I've tried searching everywhere, under the submenus and all. I heard it can disappear for some people, but I've never requested a CLI before.

Anyone here have luck converting a Saks Platinum to World Elite? Do they (HSBC) require a hard pull for the conversion? Thanks.

Hello: My parents are filing bankruptcy (not sure if Chapter 7 or 13 as of yet). I have federal and private student loans that my parents co-signed for. I solely make the payments for these loans and will continue to do so. How does it affect the loans? I'm assuming my interest rates will skyrocket, but what else happens now? Thanks.

2 Days. Double Points. And a chance to flirt with women's and men's designer selections at 30% to 40% Off May 1 & May 2. Thanks, just saw it on the website. http://www.saksfifthavenue.com/stores/stor...label2=sections Any idea on what's gonna be on sale?

Ah, thanks. I'll look for it on my first statement. So, I just got my $25 gift card, the day after the 25% sale ended (ouch). Because the card says it'll expire within 30 days, are there any sales coming up before the end of May? I'm looking at the stuff they have on sale right now, and nothing really catches my eye. Hoping for another store-wide sale, or maybe a summer clearance thing.

Who do I make the request with? Nordstrom Bank or the CRA? And who/which department would I have to contact? Thanks.

ARGH Initially denied, due to too many inquires. I called for a recon and was denied again. Found out today that they PULLED another report even after I told them NOT to. The reasoning for the recon denial? Too many inquires. Seriously, is there anything I can do? I NEVER authorized them to do another hard pull. Is calling for a recon an implicit authorization to allow for a hard pull?

So, how do you check your APR for both the MC and store portion?

In my experience, BOA product changes take about 3 weeks.

I just realized that they pulled my report before my AMEX charge card reported. At the time, my EQ FAKO was 687. And I was wrong; it was six inquiries (five right before since I applied for another card at the same time) before Nordstrom pulled. Do you think that could've been significant enough to sway the balance? I'm still waiting on the letter.