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BJKill

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About BJKill

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    CB ScoreMan
  1. So are you suggesting that they are for those at the top of the garbage heap?I'm not suggesting it. It's true. I didn't qualify for those types of cards when I started rebuilding, but you are better off trying one of those cards first. I just think about poor Liz and her humiliation with Cap 1 secured. I am glad the list is coming together, seriously, but for most folks who are in deep credit trouble these options might be too high a bar. You try one of the top tier cards first and move down the lost to the easier cards if denied. If you start with a 525, and add one easy secur
  2. So are you suggesting that they are for those at the top of the garbage heap?I'm not suggesting it. It's true. I didn't qualify for those types of cards when I started rebuilding, but you are better off trying one of those cards first. I just think about poor Liz and her humiliation with Cap 1 secured. I am glad the list is coming together, seriously, but for most folks who are in deep credit trouble these options might be too high a bar. You try one of the top tier cards first and move down the lost to the easier cards if denied. If you start with a 525, and add one easy secur
  3. Most of this is 100% correct. I will elaborate a bit more when I get home (Like I had originally planned). Also in the master thread, I will be listing cards that are good if you "are at the bottom of the garbage dump." All of this should be showing up in the very near future. Thanks again for doing this. I should probably have just let this be a statistical listing and then have a separate thread to comment about the pro's and cons. You are doing a thankless job and I want you to know that I really appreciate it. Please don't think otherwise based on my jumping in here ....
  4. Agreed. But that didn't show up until several days into the thread's existence. I'm honestly over the arguing about the guy's veracity. I still don't know what to believe. And I don't really want to debate the validity of my "ruffling post" either. I just thought I'd put it out there for individual contemplation. You are correct. There is no new thread about people getting six Amices per day. This might have been one guy puffing, or maybe it did happen. Who cares? He wasn't suggesting anyone else try it. He said he got 50K. Well all said Geronimo . Then one or two C
  5. Who said it was a trend? It is clearly an anomaly for those with the right income and credit score and whatever else they are looking for. It is never a trend for the majority of people to get the highest credit limits. Would you believe it if you got a 50K limit. The point was that there were some 50K limits being assigned. We now have proof. Nobody send anything about a trend. They are not going to give those to everybody.
  6. So are you suggesting that they are for those at the top of the garbage heap?I'm not suggesting it. It's true. I didn't qualify for those types of cards when I started rebuilding, but you are better off trying one of those cards first. I just think about poor Liz and her humiliation with Cap 1 secured. I am glad the list is coming together, seriously, but for most folks who are in deep credit trouble these options might be too high a bar. You try one of the top tier cards first and move down the lost to the easier cards if denied. If you start with a 525, and add one easy s
  7. Yeah, I owe him an apology. I read the skeptics on CB and then went to try to validate it. The biggest mistake WE ALL MAKE is assuming that our own experience is a universal experience. Some of us fight and fight and fight for our positions because they are what happened to us, but with everything and everyone, YMMV. And this is supposed to be fun. no point casting a pall on every piece of good news that doesn't fit our own world view. I'm as guilty as the next guy/gal. Got to try to be a little more humble.
  8. So are you suggesting that they are for those at the top of the garbage heap? I'm not suggesting it. It's true. I didn't qualify for those types of cards when I started rebuilding, but you are better off trying one of those cards first. I just think about poor Liz and her humiliation with Cap 1 secured. I am glad the list is coming together, seriously, but for most folks who are in deep credit trouble these options might be too high a bar.
  9. Come on Cappy, come on Liz, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT, DO IT ..... How about BW? Come on BW!! Get us 100K ....
  10. This is just excellent! Now I know that Uber and Mendy are going to app and get 100K limits. I hear 10, 10, 10, 10, 10, looking for 20, 20, 20, 20. I got 20, looking for 30, 30, 30, 30, 30, going once .. 30 from the Cap 1 in the back. Got 30, looking for 50, 50, 50, 50 ... we got 50! Now looking for 100. 100, 100, 100 .... who is going to give us 100....
  11. Honest to God, I have seen very few 50K credit lines with any lender listed on this website. If people want a pry bar, this ought to do it. Let's see: 50K limit, no annual fee, $400 cash ....
  12. Two 50k confirmations do not a run make. This is true, but I believe a CB member with a post count that high sharing his good fortune. We now know it is possible. Not a frequent occurrence but it is real.
  13. So are you suggesting that they are for those at the top of the garbage heap?
  14. Okay, this thread was too positive so I'm going to lemonade on it a little bit. There are a ton of reports of Citi rejecting secured CC apps. They take your deposit and three weeks later you get a check back. No dice. I still plan to app for Citi when I hit two years post discharge because I want an AA mileage card. We shall see. B of A is also notorious for rejecting secured CC apps. Another frequently reported problem is that they release a $500 secured CC and leave the limit there -- for years. You are sort of locked in as an undesirable. You also can't increase the CL withou
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