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Advanced Credit Topics

Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards

1,034 topics in this forum

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  1. churning BOA

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  2. Long layovers

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  3. Keep business CC?

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  4. Well I'll Be Damned

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  • Our picks

    • I elected to pull the trigger on the new United card the other day.  As expected, there was a pull on EXP.  No instant approval.  I see a pull from the following day on a different bureau (TU). 
       
      I am curious whether this is becoming their new normal.  Recording still has the 'under review' message.  
       
      Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window). 
       
      Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United.  I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge. 
       
       
      • 12 replies
    • Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards. 
      I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed? 
      Years ago they weren't but so much has changed. 
      Thank you for all the suggestions. 
       
      • 15 replies
    • First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. 
       
      So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
      Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
       
      I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. 
      I could desperately use some guidance from you all
       
       
      Fico 8 eports & scores as of March 10 
       
      Experian 558
      Citibank AU $6500 limit $4977 =76% usage  - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score 
      Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
      Care Credit AU$4000 limit $0 -no usage - 8 years old never late 
      Sears - closed AU no negatives 
       
      CarMax paid closed $19,117 -opened 4/14 closed 7/15
       
      Acendium student loan 44 lates CO $2872 updated 8/16
      EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
      EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
      FED LOAN SERV- closed exceptional payment history 5/15
      GLESI/ Bank of America -closed exceptional payment history 2/12
       US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
      US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
       
      Inquiries 
      Cap1 3/20 - unsecured card $300 limit in mail 
      Discover 3/20 - declined secured card 
       
       
      TU 509
      Belk - same 
      Care credit - same 
      CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 
      Discover -same
      Sears-same
      NFCU AU- closed updated 5/23 $20k limit exceptional payment history 
       
      Carmax-same
      All the same student loan info 
       
      Collection 
      AT&T  Mobility $1206  collection opened 9/18 updated 2/20
       
      Inquiries Cap 1
       
       
      EQ 535 
      Citibank same 
      Belk- same 
      Care credit same 
      Creditone same 
      Discover same 
      NFCU SAME 
       
      CarMax same 
      Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes 
       
      EDSOUTH GLESI SAME 
      EDUC SERV AMER same 
      FED LOAN SERV same 
      FED LOAN SERV same 
      US DEPT EDUC same 
      US DEPT EDUC same
       
      Inquiries 
      Cap1 same  
      • 33 replies
    • Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
       
      So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
       
      My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
       
       
      • 24 replies
    • So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info? 
      • 4 replies
  • Posts

    • I don't have any experience with selflender but I do have a discover secured that has no annual fee or any fees in fact it has cash back and they let you add on to the secured amount over time and they report every month as a normal credit card. I'm up to $2k on my secured card.    IIRC, the new account will ding your credit for a few months, but after 3 months and definitely after 6 months it shouldn't have any negative effect on your score at all. I always try to keep in mind the average age of accounts needs to be as close to 2+ years as possible. That way lenders can't fall back on the "too many inquiries" or "too many new accounts" as a cop out to not approve you.   To be honest, at this point I wouldn't bother to open anything else and go ahead and pay off the high utilization cards and let everything age until you go to get your home if you want to get it soon. Like I said, if the annual fee is coming up definitely close the first premier bank and credit one cards. They'll still stay as positive accounts on your reports for the next 10 years.
    • Motion to permanently retire the phrase "play stupid games, win stupid prizes."
    • I just got approved for a US Bank Signature  Cash that I am using for utilities cash back. I use my Amex Everyday card for grocery points. My husband and I are both retired and on fixed income so I have four cc's and that's enough. I don't want to get in over my head with cc's and I don't want to app right now because of my AAOA's.   But being opted-out for years everytime I tried Chase's prequalify tool, it always came back with no prequalified offers. Now that I opted back in, I am getting offers. Weird, I know but I read about Chase being like that. If you like I will link the article.   https://www.johnnyjet.com/chase-credit-card-offer/
    • What reason would you have for not wanting a Chase CC?   As Hege said, opting out only means no pre-approved offers. 
    • The FICO scoring thresholds for CrapOne well predate the Kung Flu......

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