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ValleyGuyTX

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    Texas

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  1. 6% Back on groceries, what???? Must have missed that perk. I also have a couple things on the biz side, I try to be cognizant of. And yeah, ill have to stop looking at myself as sub:)
  2. I bet it's because the other cards I have with larger limits don't show on TU, which is what they did the SP on. Good to know they report on all 3. I think my highest CL on TU is 5-8K so yeah would be middle of the road, wonder if they would re-consider if I reapplied and called if they still went in low? On EQ I have a $50K limit but only shows EQ, the others are $7-$20K
  3. I don't carry balances, namely if I did it would disrupt my 5% util or less. There was NO HP to check it, and from what I have heard they only report on TU (which may be a good thing), and your right interest rate doesn't matter when your not carrying a balance. Just felt the SL was low, although I have a pretty thin TU file, neither of my larger cards are reporting to TU. Hmmm.
  4. Yeah thanks for the input, finally got EX / TU where I want it just need EQ to come around. Was approved for the Apple card, but $6,500 SL @ 22% interest which is what I had the issue with, so I declined the offer and got no HP alerts on my app. Only have 2 inquiries in TU, so maybe better to try and find a TU only CC with good starting line. And yep Texas is EX for the most part, i agree.
  5. Shifter, I agree but inquiries are adding up. I have pulls to verify for commercial real-estate deals too, Just haven’t had a lot of personal credit in last 7 yrs, so have lots of those little cards, again still waiting for last CO to bounce from EQ/TU, once it does will have a little more flexibility. And fortunately I don’t “need” any particular card, just trying to rebuild in the best / fastest way. Credits a tool, don’t want to have cards that look like high utilization when I buy a pizza. I don’t carry balance typically on CC’s, but using it all to get best rates when I do.
  6. Stark - I have Amx PC in biz name and delta skyline gold, it’s been a while since I had personal card with them but biz cards in good standing with over 10K/mo annual spend for almost a decade paid off monthly. It does show I’m pre-approved for Gold, And BC every day, seems like I’d be approved for any, when I log in each card shows “your new card offer” when I look at cards, my personal charge can already make big purchases in just a few MOs, but the credit card was denied for a major increase I should have just done 3X, just seems silly to have such low limit after what I spend on the biz card. Not sure if I’m primary on that card though.
  7. Thanks, was also told to do the first 60 days after opening, but curious if there has to be any use or not? I have other Amx I use extensively, but this is new. Thanks for feedback.
  8. Discover should be a good secured option, they helped with my recovery and automatically send your deposit back (if your credits getting better) after 6mos or a year, they report to all 3.
  9. Looking for a good CC that pulls Experian and has well known CLI process with SP only? Just timed out my last baddies after 7 years, but having smaller cards open have hurt my starting limits even though I have good income, 3% util or less, current 770+ w EXP, but burned several inquiries before last things timed out from 7yr old issues, when I noticed score was 680+, accepted 2 Amex, and 1 USAA but have 2 other inquiries. Is amex 60 day 3x still a thing, any others like that? Don’t want more inquiries on low limits. my report has Zero installment loans in last 7yrs, 2 paid off autos. Experian app shows matched for Citi, Chase, other Amex too but worried to try for anything and burn inquiries even though score is up 100 pts since I accepted the last card from them w low limit. Haven’t had 1 late payment in 7 years, honestly been great without credit but into real estate so need to feed the beast.
  10. They are personal, it was just due to a failed biz.
  11. @Why Chat I have learned many accounts will age out in March 2020, so not sure the SOL would work just yet? What about asking for verification as much of these I really don't remember? I have read there's no harm in verification, just want to ensure I don't reset any clocks.
  12. And cv91591 Cap1 is one of the people that were derogatory on my file, so likely wouldn't get a card from them. I do have three lines showing now, and should have a 4th coming soon. 2 Store, 2 Credit.

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