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Everything posted by ceemee

  1. ceemee


    Los Angeles
  2. I had a student loan that didn't update for, what felt like, a year. I think, unfortunately, this does happen.
  3. I have around $60k in various locations. Currently in my late 20s. Really focused on making more money so that I can start saving and investing more (only doing employer match in my 401k e.g.). Just finished getting a new degree so I hope to have the money I spent (no extra loans), will begin to benefit me. My parents have no money saved so I don't want to be be in their position when I'm their age.
  4. I never really used Manilla, other than to keep it open so that it collects all of my statements. I downloaded all of my statements from the site today. Also went to each of my accounts and downloaded all of the statements that are there. I'd rather have them just in case, than not have them and need them.
  5. Los Angeles
  6. It depends. Chase pulled once for me (EX) when I opened my freedom in January. Two years ago I was double pulled.
  7. Last card and one that I was not planning on getting: AMEX SPG. $6k CL. I say I wasn't planning on getting it because I was done when I got my Barclaycard, but I just realized that my Starwoods account is about to deactivate (due to 1 year of non-use) on 4/30/14. Getting the SPG is the cheapest way to keep it active, from what I could tell. Upside is that it will have a MSD of 04/08 (I joined Amex for the first time in 2012) and will hopefully help improve my AAOA since I opened 2 other cards this year. And I'm officially done. There are no other cards that I want.
  8. I decided to downgrade the the Green (from the PRG) and AMEX also gave me a $100 statement credit. I did pay the fee last month, but they're refunding as soon as I get my new card. But yes, my bill cut higher than I liked month.
  9. ceemee

    Barclays Bank

    Los Angeles
  10. Does this count? I applied for Barclays and was approved on Tues. 3/19. It's already been reported to all 3 CRAs (with the balance and etc, normal reporting) but I haven't even received the card yet.
  11. Barclays Arrival World Mastercard - $7,50. Approved on 3/19. Pulled TU.
  12. I use check.me. Payments usually post the next day and I've never had any issues paying multiple times a month.
  13. 5Years Inquiries stay for 3 years, negative info for 5 years. Thanks. Not sure if I want to bother try again next year. Sent from my Nexus 4 using Tapatalk
  14. I think Internet banks have less fees overall, generally. My checking is with schwab (and I didn't really want to leave, just wanted to try out simple... And then I wanted to know why I was being denied) and they've been really great. Sure, you'll probably want something with a brick and mortar to at least deposit cash, but I've been usingi schwab almost exclusively for checking for almost 2 years and I haven't missed not being able to go and see a teller. Also, I've never had need to have someone count coins. Sent from my Nexus 4 using Tapatalk
  15. According to announcements, they were " certification by the Payment Card Industry (PCI) Security Standards Council, making Wallaby the first and only credit card optimization solution to receive PCI certification. The certification reflects Wallaby’s full compliance with PCI standards for the security of cardholder data." They hope to ship later this year. https://walla.by/blog/73522267217/wallaby-achieves-pci-certification-for-its-credit-card However, I've also given up. I've ordered a coin. I only have 4 credit cards and I think I'm pretty good at figuring out which to use when. Sorry for bumping this back up. Blame it on tapatalk for being confusing sometimes. Sent from my Nexus 4 using Tapatalk
  16. Well, theyre partnered with the bankcorp bank, and it's apparently the partner's requirement. So if another bank is also partnered with bankcorp, then you'll probably be denied similarly. Sent from my Nexus 4 using Tapatalk
  17. 5Years Well that's a long ... Time for inquiries. Sent from my Nexus 4 using Tapatalk
  18. Heard from simple, if you have more than 4 inquiries on chex, you will be denied. Even with an otherwise clean report as I have. You have to wait for them to fall off. Not sure how long that takes since most of mine are from two years ago. Sent from my Nexus 4 using Tapatalk
  19. Simple is partnered with the bancorp bank and has been invitation only since inception. Anyone can get an invite, you just fill out a form on the site. They send invites in phases, not because its super exclusive. Sent from my Nexus 4 using Tapatalk
  20. I too was denied an account by Simple. I've never overdrawn a bank account, don't owe any banks, and have successfully opened a few over the last few years (for savings/brokerage/etc.). I spoke to a Simple rep and described what was in my Chex report and he said that they use a different service to automatically approve/deny accounts. Simple bank doesn't make the decisions themselves. He said, according to what the reasons why I was denied, he didn't see a reason for the denial. He and I were both confused. He told me to email Simple my chex report directly and notified their reps to be ready to receive the report. I have a chex report from a few months ago (when I applied at Simple previously) but I just requested the most recent version. There are no guarantees but I don't see why I shouldn't be accepted.
  21. Chase Freedom Visa Sig - $5,000 (A little surprising because 2 years ago, I got the Chase Amazon card with a $400 CL, I put all of my spend on it but they wouldn't increase the limit after 4 months and a second hp. Closed it right away. This is my first Chase card since, although my other cards have higher limits, I only really need $1k for every day use.) I don't know what my credit scores are so I haven't added to the credit pulls database.

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