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Everything posted by losartworks

  1. Well, the credit union is a smaller one I have banked with. And while a couple extra accounts I am told (by said manager) won't bug them, he said his board prefers not to see any inquiries on the EQ for at Least 6 months prior. I know, it doesn't make a ton of sense given they won't hang me to dry for a couple new credit card accounts. I have not prodded too hard on it with them since it just happens to be one of those small independent lenders who sets forth their own strange, and sometimes contradicting criteria. But I very much wish to be doing business with them at that time, so I w
  2. I applied yesterday for an AAdvantage card and was told online it was declined. I figured maybe as I had a fraud alert that it just needed to be addressed as I didn't expect any type of automated approval with a FA in place. Well I see on my alerts that they pulled my EXPERIAN. a clean report with low 700s and oldest account being 31 years and AAA being 7. Now my Equifax is frozen because I have a credit union I will be dealing with later in the summer and my banker there says he would prefer not to see Any inquires when I go to do that business. So I get this email this morning f
  3. They seem pretty reasonable. I was just approved today for $500 and called in and asked for $10K and was approved.
  4. Well USAA still hasn't put the 'approved' Visa account up online yet. rep says that underwriting is 'fulfilling' the account. I've already got and activated the MC I applied for at the same time. They say to look for the Visa to appear around Oct 9 to 15th? guess I am perplexed as to why it should take so long when the MC was done and sent out in a flash. On another note, Nasa was nice and turned the card that they turned off back on and it appears back on the online page. So thats good to see. Glad they finally called me to ask if I applied.
  5. Yep. Everything matches perfectly. Nasa did call today, but simply asked if I applied for a card, which I said I did and they thanked me and didn't ask anything else. I figured ok, and signed back into Nasa, but so far so reappearance of the credit card. I hadn't applied for credit for about two years and pretty much had all the ducks in a row but thats just a weird one to me. I'm not going to sweat it, but it is frustrating. I waited two years to do my app spree. And it is tending to work out better with the bigger banks. Chase Blue preferred for $27k auto approved. Barclays declined,
  6. Thanks for the input. Normally I probably wouldn't question the absence of the second account not showing up a day later. Bought a week ago I applied for and was approved For a NASA credit card. I passed their somewhat lengthy LEXIS-NEXIS verification and electronically signed my documents, and the account showed up on my online page. A week later the credit card account disappears off the page. I call in and they transferred me to the security department. Yet I either get completely disconnected, or sent to a voicemail where no one ever returns my call. And that was a $26,000 credit limit
  7. I had applied back to back for USAA cards. I had a preselected offer for the World Mastercard and accepted it and was approved at $12K, then applied for the Visa (not preselected for). Also instant approval for $12K. The first MC showed up on my online access accounts page within a few hours. But a day and a half later the Visa has not yet appeared. My USAA messages page confirms I have been approved for both. I was just curious if anyone else who has gotten two approvals same day has had an issue with one of them not appearing. Did the preselected card show up faster because it was pre
  8. Joined online and no one ever called. Just not sure I want to push my luck if going for all three at once is frowned on.
  9. Thanks for confirming that! My credit card status says approved, so no worries there. But I wasn't sure why I was seeing the "in process" status hours after I got the approval popup and the confirmation email. They said they were just sending out the docs to my home for signature and mailing back, so don't figure I need to visit the branch as I don't have one handy to my area anyway. I have seen a lot of people on here also who have both a Navy Visa And MasterCard both. As well as a CLOC. I have read of a lot of people getting all 3 products in one day or week. As my goal is to ha
  10. Yesterday I was approved for NFCU flagship for $30k. today I requested the checking LOC and was approved for the max $15K instantly. also got an email confirming the approval and that the loan paper will be sent out for my signature and to send back to them. I did notice this evening that the status for this checking LOC technically reads Still in Process. Does it say that simply because they have yet to get the signed loan document back before officially classifying it as approved in the 'status' section? I don't mean to sound paranoid, but was just curious if the instant approval and
  11. Is Chase likely to match the credit line of my Citi or BOA card in their 20s? From what I can see on the pulls database, there isn't a large flow of $15K+ opening CLs. Are there other possibilities (other than NFCU which I am not eligible for) that tend to match the existing high credit line that are at least more prone to pulling TU or EX?
  12. I am open to other possibilities than PLOC. Which cards might I be able to get that might open a CL at 20K to start with a 0% intro rate? I am not looking to carry the debt more than 6 months. I have a Citi and BOA cards both with limits in the mid to high 20s, but no longer at a rate I would find prudent to borrow a large amount against. thanks again
  13. Hello Had a question on the best odds approval for a PLOC of around $20-25K. have $100K income. TU 757 average account age 14 years. credit file age 34 years. Oldest account Visa from 1986 with a 28k limit. 36% utilization on TU. EQ is 689 with 63% utilization. EX 750 with about 50% util. no baddies but EQ has someone elses $400 electric bill collection on it from 2 years ago. Just realized that today when I pulled my file. but no collection showing on TU or EX. 0 inquires TU, 0 inquires EX and 2 inquiries EQ. not a ton of accounts showing. between 4 and 6 open accounts de
  14. I understand. But she already hit the link and filled out the app then they pulled a hard EQ and approved her and issued an echeck and an auto loan account pending her basically taking the echeck to a dealer and getting a car. they made the decision good for about a month. as such I would think in theory anyway since the approval has already had a hard pull and has an expiration that they would not be pulling another report on her. I was just asking because I didnt want her to go through all the dealer garbage just to have another incidental hard pulled with for whatever reason with pote
  15. My other half applied for a USAA auto loan through a preapproval link on her USAA page. They of course pulled a hard EQ despite the "pre-appoval" (no big deal. we expected them to). they approved her for about $4K higher than the maximum amount listed on the pre-approval offers page. So she printed her electronic dealer check and instructions and her account page indicates and auto loan which is pending her actions to pick a car and process the check. my question.... a week After her approval her ex who is ordered to pay some combined student loans they both had failed to do so and
  16. Are you inferring I need 85 softs to knock off the hards?? wife started knocking off hards yesterday and had the counter showing 57 softs and she had 32 hards.
  17. Hey, SCM. how goes it? I came back here and it's much more quiet these days. A good thing since many of the scammers are gone (though some still remain). But the business credit scene is naturally more conservative these days. Go by the rules that were established back in our day and just expect lower credit lines. There is nothing really new on the business credit front. Use the basics that have been around for years and avoid the 'advise' from those who are trying to reinvent the wheel. You had some great accomplishments back in the day. Theres nothing really going on new that yo
  18. Brn.... golden rule of the board. Do Not Feed those little creatures under the bridge (or those self appointed, self important crossing guards standing on the bridge for that matter). Not everything is as it seems. You know this.
  19. If one just started doing B for the first time starting around 2/28, are they automatically going to get noticed on their first month of pulling 3 a day? or does the system sometimes not pick up on first timers and they might actually go till April before they see C? My wife started for the first time on 2/28 (which granted isnt going to help her much if she is immediately going to get put under the C. Was just curious. I havent personally done B in some time. a couple years I suppose. But I remember that I thought it took a few months before I got hit with C. Just curious if anyone who h
  20. This was regarding the last request made.
  21. Very true, brn.... All that extra unused credit is bad for business. Even GE has to be credit conscious.... The Chinese insist.
  22. The increase was fine, but the first one basically had them giving you their new exposure level for you in general. It's not so much you didn't use the other account much. GE tends to be exposure conscious and had you at maximum after the first request. There was simply no more exposure to grant you in general. When the underwriters look at your file with them, they are already seeing all the accounts and overall exposure. Usage will play into it, but I dare say you could have used BA account a lot and you still would have been declined if the first request used up all their extra risk the
  23. Real estate related businesses typically fall into a higher risk classification with creditors and business CRAs. Their actuaries generally have them placed in an unfavorable light if they are not well established. Not a business I would want to be in.
  24. I will indeed call a spade a spade Most folks know that of me. (by the way, disclaimer for the PC sensitive: the term I just used was coined and used years before it was ever used as an ethnic slur. History lesson for those who didn't know ) Though in my older age, I have mellowed a bit. For that, I am sure the board Gods are happy.
  25. There are certain limitations, despite the MC logo. The average business person who Owns a startup business should never fear PGing an account. It's part of the process. If your scores are bad, I can understand. But still, some people act as if the PG is something any real startup can avoid and obtain significant universal credit with.
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