cbing30

Thanks for all of the input! A couple hundred dollars is definately not worth the risk. I guess I'll just talk to a store manager to see if they will still honor the promotion next week, given the circumstances. Thanks again

Hi all, I was cleared to close today(Friday) and the bank attorney said the closing date will be next Wednesday. Sears is having a sale on some appliances that I've been watching for the longest this Sunday with 20% off. The promotion lasts for one day. I was wondering if it would be insane to open a new line of credit to take advantage of the promotion days before signing? will the bank pull my credit report again or am I in the clear? or will the Inquiry even show up? Any ideas or suggestions or alternatives would be appreciated. Thanks in advance.

Sorry to hear about you being denied 4 the Sapphire card. Just curious as to why u asked for the CLD on your freedom card?

Thanks a lot for the link

A few days ago I applied online and got approved for an Amex Green. A couple of days later I started getting marketing/promotion calls from an unavailable number. This never happened prior to my approval. They call at least 3 times a day while I’m at work. One day I answered the call and it was an automated voice telling me that I won two cruise tickets. The next time I answered the call it was different, it was a guy asking me if I wanted to enter a drawing for something. I opted out a while ago, so I’m wondering if Amex shared my information with another party or affiliate? If so, I don't remember giving them the okay on the application. Has this happened to anyone else who was recently approved and if so, how long will they keep calling? I’m just get tired of checking my cell phone at work to see I have 5 missed calls and 4 are from that unavailable number. And last, I read on here somewhere that once you have an Amex card, American express has some type service where you can get your credit score or report, I’m not sure, but what service is that? Thanks in advance ….. CBing

So has anyone applied for any of the cards that they were matched with? Cards worth applying for that is. Just curious to see what the outcome is?

Heg, thanks for the reply! Actually, it's only on one CR. I noticed it because it was time for a new free CR at annualcreditreport. So I only got the online version. That's exactly why I called the one CRA to find out the actual DOFD (because it didn't show online). The guy from the CRA said that the DOFD is 9/2010 (which is totally impossible). As I mentioned before, I made last payment and I surrendered the vehicle both in 3/2003 and never heard a word from GMAC. Just this recent negative on my report 7.5 years later.

Hey all, in 3/03 I defaulted on a GMAC auto lease. That was the first delinquency and I never made a payment after that point or made the account current. I also surrendered the vehicle in 3/03. Now this month (after 7.5 years), GMAC pops up on my CR reporting charge off as bad debt, Date closed on 9/2010. Date updated 9/2010. So I called the CRA to find out what their records show for the date of first delinquency and the guy said 9/2010 and it will stay on my report for 7years. So I sent in a dispute, disputing the DOFD hoping that GMAC will submit the correct date(which should be 3/03) and the CRA will see that this account is past the SOL. I guess my questions are: 1) Did I do the right thing by disputing the DOFD and 2) If it wasn’t an error on their end, why would a reputable company like GMAC submit incorrect info like the DOFD to the CRA. I haven’t started mortgage hunting yet , so there are no INQ from on my report from any lenders.

just use your same username and password, then apply the code.

Thanks a lot! I got mine! 731! Normally I'm always late to the party. It's finally nice to show up on time .

How is Alliant with their credit cards and limit? I recently received their welcome to Alliant email after having to fax them a copy of my driver license, S.S. card, and a utility bill. I signed up for their savings account. I'm waiting to receive the information in the mail. I'm already a member at my local cu, but heard a lot of good things about Alliant and figured a 2nd cu wouldn't hurt. I'm really hoping to apply for their cc. I'm aware that it might be another hard pull. What can I expect for a limit? As of 7/13/10 my fico was TU 731 EQ 718. Any input is appreciated.

Did a search on chase freedom card designs and found this post. I recieved my new chase freedom card today because they change my rewards program and the design is different from the one above. Maybe freedom designs are different based on the rewards program. Looks aren't important to me, but the one I recieved today is probably the better looking card that I currently have (which isn't saying much). The background is like a dark turquose color, but when I move it at angles in the light I see hints of yellow or green or purple. It kind of changes colors. I am tired, but I dont think i'm hallucinating. Anyway, I dont know if its been discussed before I just thought I'd mention it, the design part that is.

Just worked for me too! At first it didn't, i got the error screen. Then I copied and paste the promo code. and it worked fine. THanks

I applied to be a new member yesterday, for the savings and got the 3-5 message. Called today to see why? and what the status was? The Rep. told me that it is common to get the 3-5 message, She said that my application is under review and I'll need to send/fax a copy of my driver license, s.s. card, and a bill. I hope things work out and that I can still get a pre-approval offer for their C.C. since I didn't get it right away online. My EQ fico is 718, so we'll see.

Yes they do make a hard pull. I asked for a cli earlier this month for my Macy's store card. It was a hard pull and I got a 1.5k increase, now it's up to 4k. Immediately after getting the cli I looked around on this forum and found out from a recent post that Macy don't report a limit on your credit report for the store card. So I checked my recent CR and sure enough they weren't reporting a credit limit. It was like a bittersweet moment. Hope that helps