Athena775

Just tried over the phone and asked for $5K. Said they would have to pull a new credit report. Gave my consent and before I was able to enter my monthly income it asked if I wanted to do a survey. I said no, it tried to send me to a representative and then the call ended. Now I am gonna have to try calling tomorrow.

I have had CareCredit for over 4 years now with a $1000 limit, no balance on it currently. Paid it off almost 3 years ago. I would like to get Lasik and would like to request a CLI. How easy is it to get a CLI from GEMB? I want to make sure I have a decent credit limit in place before I go to the doctor.

Copngrats. I am thinking of changing over to Navy because my local CU won't give me the time of day whenever I ask about CCs or the like. Last I checked my scores were all over 700, one over 750. They recently opened a branch here and my dad is retired Air Force with over 20 years of service so I know I have a way in.

I get my refunds and my annual bonus from work. The fed refund is going to savings, state is fun money since it's only going to be about $250 or so. My bonus I am using to pay down debt. Pay off a couple small balances and start paying down the larger ones. If I work it right and am smart about charging I can have my debt paid off in a year and a half.

For a CLI that is. I have a Chase Disney Visa with at $1500 limit. Have had it since 2007 and have never asked for a CLI on it. Would like to see a $5000 limit on it but I am not picky, I will take any CLI. Just wondering what other people have experienced with Chase in regards to CLIs. My scores are all in the mid-upper 700's and I have 1 hard inq on Ex and one on TU that should fall off soon and no baddies. Thanks

I would like to get a new computer and HP has one that is just what I need. I know they can do their own financing but I was wondering how easy they are to get and what kind of terms and rates they have and also what kind of credit lines they give. I don't need much...less than $1000 really. Anyone have experience with them?

Thanks for the replies. I need a new computer and would like a laptop but I think I can build my own on the HP website and it will be cheaper. Just worried about the financing bit.

I got a catalog from this company saying I was pre-approved with some very attractive 0% financing offers on things like electronics and high end accessories. I have never heard of them and the only reason I am asking this is because I am in need of a new computer and they had a very nice HP laptop. I am wondering if I can get a better deal going through HP themselves. So anyone know what kind of credit lines they offer or just anything about the company themselves?

I was on the Chase website looking over my accounts and I wanted to try for a CLI on my Chase Disney Visa. It's at $1500 right now and wanted to try for $2000. I noticed the button was gone to request a CLI. Or am I in salamander and it's there somewhere and can't find it? Anyone know if they have done away with it?

My best rate if you don't count a couple 0% promos I have is my USAA MC, it is Prime plus 1.75% and is currently sitting at 6.75%. Which is good because it has a $2700 balance on it. My worst is my Target Visa which has a purchase APR of something like 20.99%. My WAMU is middle of the road at 14.99%.

bump

So I sent out a letter to Equifax disputing using Jack's method the only negative item on my report. I probably disputed 5 or 6 individual aspects of the TL. I get this letter from them. I disputed many aspects including the fact they were showing multiple 180 day lates after the account was sold to a CA. I was hoping for a deletion. I wonder what this will do to my score, it's hovering just under 700.

I don't think they do hard pulls on the register pre-approvals because I have gotten several of them and there were no hard inquiries on my reports. Plus I got them when paying with my debit cards. Of course now I am on a modified Kona program. No new cards for me...unless a really sweet offer comes along.

So I was in Target today just picking up some stuff and at the register the gal asked if I wanted to apply for a Target card and save 10%. Now I was thinking I would probably only get the Red Card and I can do that...PIF when the statement comes and then only use it for my once a month trips. So we do the process and I sign and it spits out the receipt with the CL and terms and all that. I looked at the top and it said Target Visa, CL was $3000. I was floored, but didn't let it show. I just thanked the cashier and went on my way. Before CB and what I have learned here I was always afraid to apply for new credit because I thought that it would reflect poorly. But now I know better. Just don't tell my sister. She only has one CC and thinks that is all anyone needs.

I am looking at my Equifax report and there is a charged off tradline reporting numerous 180 day lates. It was charged off in January 03 but the lates didn't start reporting till August of 05. Before then it was showing paid as agreed even after the CO. Can I ask them to delete the lates since they reported after the CO?