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Poor Bastard

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  1. Is this just a new change they've made as far as what they put on the cards and I can expect same when I receive updated cards? Because as I noted above, my card says from 2016 even though I've been a member since 1996. Thanks
  2. I have a low limit card of $5500 that I put a couple charges on that caused me to exceed the credit limit by about $20. Next thing I know I'm seeing a warning on my monitoring that I exceeded my credit limit and about a 30 point drop. Yes, I know that with MyFico the alert and corresponding drop are not necessarily even related. But there were no other charges that would have impacted anything. I paid it off in full as I always do, I use my cards as charge cards. Now it looks like my score went back up 20 points. So it looks like I took about a 10 point hit. Not a huge deal at the end of the day but it still peeves me. I'd have been more careful if I know a freaking $20 over the credit line would trigger their algorithms even though my other cards are at 0 balance. Anyhow, if I call the CC company, any chance of getting the over limit alert off my account? Or could they not do something even if they wanted to? I'm worried this will now impact credit limits if I go for some other high limit cards. How long will this impact me, if at all? Thanks
  3. Wonder if this could be done if I already have a card? If your card says member since, my guess is it will show up. My card says 16 so that's what shows up, even though the website says since 1996.
  4. It's worth the time because if they've gone to collection agencies and you just pay them, they'll still sit on your record as "paid" and depending on how old they are, screw up your score for years. Much, much better to go through the process and get them wiped, have a clean record, and maybe see a good bump in your score too. How old are they? Do you know when they will drop off?
  5. Sorry guys, my bad, thanks for your help! CV's last question prompted me to look closer and I realized that even though the MyFico alert says "total revolving credit utilization is at 80%" that when I expanded the alert, that "total revolving credit" was about one low CL card that is indeed at 80%, as I put a charge on it last month to make sure it kept active. My amex has a CL of 30K and is by far the highest, and based on the wording I wrongly assumed that all 3 cards were included in the calculation, in which case it was way off.
  6. Centex, nope, clean credit, no charged off accounts. cashnocredit, my point in mentioning the credit report is that all 3 bureaus have my credit lines correct, so if they are going off that data, I don't understand why utilization would be so far off? Is this common?? It's not a big deal because I usually PIF anyhow, so score drops will quickly rebound, but since the entire point of getting unneeded credit is to keep utilization low (not that 50% is low, I'm referring to most of the time), it pisses me off it's being based on bad data.
  7. Yep, thanks CV, all 3 are revolving. Tried to edit the post to reflect that but it's too late to edit.
  8. I currently have 3 personal cards and made a large charge on Amex this month that puts utilization around 50% for all 3. The other 2 cards never have anything other than very low balances just to keep them active. However, MyFico reports total revolving credit utilization at 80%. Even if we account for the fact that MyFico is a snapshot in time/s for the 3 cards, since I only use amex for the heavy lifting, at no time has total utilization ever exceeded 50%. When I pull a report it shows current all the credit limits correctly so that is correct in the system. Any idea why MyFico would be showing total utilization at 80% given the facts above? Thanks
  9. I called them and the lady said she was surprised by the low limit too but they can't raise it for 6 months. I'll never use the card now ever other than putting $50 on it once a year to keep it active until I cancel it in a few years when it won't matter. I asked them if I could cancel it altogether and stop it from ever showing up on my report but they said no. I think for now I'll just stick with my Amex and in a while probably ask for an increase on the personal one to 50K to match the limit on the business one. Wait for a while until Chase's s crewover has less impact.
  10. First of all, I don't recommend mixing back dooring and sucking, not even with special handling. As far as the special handling you got that was not pleasant, I can't really comment on that part. Now as far as getting one or two free pulls a month, who can complain about that? Especially if they involve special handling. As far as the warden part, I suppose if she's a female warden it could be fun.
  11. You, me, and 100 other guys that see this thread title are all going to think of the same joke, and wonder if someone else beat us to it. Congratulations sir, you were first :-P
  12. Which one are you referring to? Thanks. I would call NFCU and recon for a higher limit. If they considered you a risk, they would not approve you. Worth a try, thanks.
  13. Thanks. So going at this with another angle, when a preapproval says "up to $20,000" does that number usually have some meaning? Is it based on your prequalifification and you are likely to get it? Or is the "up to" usually a totally meaningless number? I'm imagining that one of the ways cresdit card issuers compete is to offer credit lines as high or higher than what a person already has?
  14. I just used CardMatch and it came back with (4) Chase cards, which is funny since Chase recently cancelled all my accounts, an Alaska Airlines card (dying to have one of those), (2) Bank of America cards, and a MLBBankAmericard, whatever the heck that is .
  15. I've been opted out for several years and am about to opt back in. I recall that when I used to get offers it would always be something like "you are preapproved for a credit line of up to $20,000". As I recall there would always be some asterisk that noted that final approval and credit limit would be based on a credit pull. Are there any soft pull preapprovals out there where people know what the CL will be before they accept the new card, and have the option of rejecting it if it is not what they want? Whether sent through the mail or entered online?

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