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About fusioncredit

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    Bump Influence XXIII
  1. Why haven't you tried to get a CLI on your Navy Biz CC?
  2. First Question: You obviously have 2 LOC from NFCU (Personal/Business) Second Question: You should be able to know which banks offer them since you are a customer of many banks Now with those answers, you can answer the question in the middle
  3. USB/Elan provides TU FICO 04 score when you apply for one of their CC
  4. First congrats on the CLI's...impressive job in a short time frame. I am curious, how did you convince BOA to give you a CLI with high util reporting? Regarding fico scores, you can get free fico versions from many sources. Here is the master list https://creditboards.com/forums/index.php?showtopic=519290&page=16 If you want to get all three fico 8 scores at once, you can sign up for $1 trial of CCT
  5. DROPR.They are just giving him a BS excuse that isn't quantifiable. Like too much credit, too many new accounts, and the always famous too many inquiries. Precisely. They nuked PB because of past indiscretions and nothing more, but they will never come out and admit that the way they did it was wrong. I could understand if they stopped him cold in his tracks with his first Chase application. They could have told him then and there that they were still sore about the loss and either have sent him to pound sand or else given him a toy limit. But, for one reason or another, they did not. Not only that, but they gave him a non-handicapped second card. There's no reason to think they were still sore. And then they offered him a third. With the third came a likely innocent review where they then discovered that they had been all along overlooking past indiscretions. Some Chase twit decided that it was the end of the world and here we are. I would still write the Chase EO. That has to be it, it's just odd that the computer didn't figure that out before now. (agreed, that was just a bs excuse) One likely scenario was that his latest app was approved, but put him over an internal limit. They passed it to a senior analyst for approval, he saw the previous default and had a cow. Getting him to rethink things and cut PB some slack would be very difficult. In his feeble mind he's saving the world and justifying his value to his employer, Chase.I think going further up the food chain might possibly work. Even coming away with a $1,000 Freedom Unlimited would be, IMO, worth it. After the dust settles, there's room to grow and also, IMO, Chase isn't a half-bad issuer. I think in this case it's over. Almost all lenders dislike applying for too many credit cards and growing CL too fast. Phone call is free. I've seen the Chase EO respond favorably to complaints. I don't know all the acronyms around here but I assume EO stands for "executive office"? Where do I find the address/phone number? I know I said earlier where they can put it, but it might be wise for me to eat my pride here and see if I can keep these lines open. There's a sticky thread, I believe, with the number. But in really serious cases, I don't call unless I have some type of leverage to begin with. I actually write a clear, detailed letter and fax it to the CEO. In writing I can paint a detailed picture and tell them what I want. With phone as first contact, the picture may not be as detailed and then you are asking them what they can do for you. I agree with PotO Writing a letter to the CEO would be recommended to everyone who has gotten AA
  6. How is that possible with all the new accounts in the past year or so?
  7. problem is... limits being liberal or conservative is very relative. IME PEnfed is very liberal yet a lot of folks have found penfed to be not so generous with limits. I agree PenFed is liberal to those with good thick credit profiles but a few years ago they weren't as liberal like they seem to have become in 2015 We just don't have much data to go on for many of the CU's on the list. For example Nasa sucks now, before it was easy to get approved up to 30k right out of the gate and now they decline with good credit profiles. I recommend anyone on CB steer clear of NASA
  8. An updated list is good to have but having data points for each CU would be awesome. Key Points to be included for each Is the CU open to everyone through some affiliation or restricted Who they pull Are they conservative or liberal like (e.g. NFCU) Criteria they are looking for to reach the max limit I can say from experience that Alliant, Andrews, Delta are conservative and will take effort to reach the top limit (potentially years)
  9. Nice! Congrats! What states do they lend in? southeast for sure. They have a pretty large footprint #10 largest bank How come you don't have a personal card with PNC?
  10. Nice! Congrats! What states do they lend in?
  11. I don't see it either, and I'm always skeptical until I see it. They probably are 1 cent each, but you never know. Exactly...Penfed points are a perfect example. Each point is only worth $0.0085 (it takes 11,760 points to get a $100 GC) I would take 8.5 cents per dollar redemption value any day
  12. Yikes you let a dealership "shop" the loan for you. The scores you mentioned in your first post...what credit monitoring service do you have?
  13. Looked up the credit union and it's not 5% CB. It's 5 points per dollar but no clue what the redemption value is per point. https://vantagewest.org/connectrewards/

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