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MJPEREZ77

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  1. Wonder if this may help with any CLI's or Approvals with other Citi Products?
  2. From my understanding, the Sub Accounts remain accessible, according to Macy's Credit Department, even after they are paid off. Once I read about changes coming, I had DW apply for a few more Sub accounts. In total we had a $4k Furniture, $1.5k AMEX, and $2.5k Revolving, then got approved for a $5k Major Purchase and $5k Jewelry, both in June. Never using either new Sub Account and having paid off the other in January of this year. New account login says $16,600 CL Revolving and $1.5 AMEX. SO they gave us a $100 CL, lol, now that I think about it. Hope you did better than that!
  3. Had read about the upcoming changes..... had DW get a few Sub Accounts approved (all on SP's).... ended up with an additional $10k in CL's.... logged on today, and have a Store Card of $16600 (how they got this # I have no idea, lol) and an AMEX of $1500.... just thought I'd share!!
  4. Both DW and I have this card. CLI's are mediocre IMO, gave DW a starting CL of $10k and a 6 mo CLI of $2.5k. Use it for flights between LAX/LAS and LAX/SFO. As mentioned above, 1st class flights are EXPENSIVE both for miles and cash. The Companion Certificate is basically a $150 coupon, must have code and can only book it online, phone reps can't book it for you. Also only valid on Main Cabin, can't use on Main Cabin Select or 1st Class. They do Status Match if you have Status with another Airline, which probably isn't that big of a deal to most. I tend to like the card, but I like the airline for short trips only.
  5. Not that this is a "Backdoor Number" per se, (so I apologize now if this is the wrong place to post it). However it may be of use to those here. Barclay's Manager Line 1-866-928-3106. Assisted DW after a TERRIBLE experience with a foreign call center rep. Again, sorry if this doesn't belong here.
  6. Just a question for the experts and those who have much more experience than me..... Will a Discover with a large CL be able to act as a Prybar with other Banks/CU's? Thanks, Manny
  7. Just a ?.... As I have been reading CB for over 5.5 hrs, lol.... I am finally ready to pull trigger on M$.... And since 4/16 is the cut off date for non Amex CC loads, do I have enough time to open a Serve account and load $500/day for 3 days in a row via Softcard? Or must I wait for a physical card too? Sorry if this is an obvious question, it's 2:35 AM in California, lol....passed my bed time! Thanks for all your help!
  8. Correct, however after the crash, I do know that ALL Lenders now use a "consortium" of appraisers, referred to as Appraisal Management Companies, which doesn't necessarily mean that you will receive a local appraiser doing your home appraisal. It could be an appraiser from +100 miles away (though highly unlikely, it is a possibility, the last company was from Orange County and we are located 86 miles away, tho the appraiser was local). Which means that your value is what they are coming up with using strictly comp's. Now that does open up the possibility of Rebuttals, which I know are very few and far between these days with regards to acceptance levels by lenders. I guess I was hoping someone would have some knowledge in this area. I apologize for not phrasing my ? better.
  9. Just curious, as DW gets all the CU ads for Mortgages. Being in California, where property values are "high" so to speak, and as we all usually believe that our home is worth more than it probably is. I had a ?, how do Pen Fed, NASA, et al compare with regards to Home Values compared to say Chase, Citibank, BofA, etc. More conservative? More liberal? in the same ball park as the major lenders? Can anyone share their experiences? Thanks in advance. Have a great rest of your week!!
  10. Congrats on yours and your son's approvals. Thanks for sharing that info. Did you by chance enter that into the creditpulls database? Now, get rid of that First Premier card before he ruins his credit life. Yes, thanks for the reminder, that is 1st to go!!! As for the CPDB, not as of yet, I have ALOT to enter in there. Thinking about starting a thread called "All in the Family", lol.
  11. I have 3 Personal (Venture Visa Sig, QS1 x2) and 1 Biz Card (Sparks Classic) total CL's of $32k (Venture is $20k of that). Was hoping to add one more in the next 90 to 180 days.
  12. Sounds good. Just remember that this offer ends on the 18th. Hopefully there will be more for the last minute push. I wouldn't be surprised if the raised the 50k bonus to 75 or more. I would do it again even for 40K. Me too. 25k would be worth it. If 25K would be worth it to you, get the business version. I was under the impression that they pulled the Biz version of this card. Does anyone have an active link?
  13. Just my 2 cents and somewhat off topic. Not to mention that I do believe I got approved under the radar. On my 1st App Spree, I app'd for the CSP (was 1 of 3 Pre-Approvals on site) and the Ink. I was approved for both. A few days later I received an offer for Freedom, checked the website and it was still 1 of 3 offers, so I app'd, and was approved. On Day 8 I rec'd ANOTHER offer in mail, for the Slate, didn't really want it, but figured I'd do one for science. Btw, was still 1 of 3 offers on pre-approval site, and I was approved (though my lowest limit and only one less than $10k). So within 8 days I app'd for and was approved for 4 cards. ****Now, I helped my son get started with credit during his winter break home from college (he had a First Premier and Discover Student along with being AU on a few cards). I had him apply for Freedom, and he was approved instantly for $4500. Then I had him apply for the Hyatt as well, approved instantly for $8500. Then I had him app for the BA card, got the 7-10 day message. Recon'd and UW said that he had maxed the number of cards allowed to apply for within a 30 day window (2) but that he could call on 31st day from 1st app and ask to have the BA app reviewed. So I hope this may be of some use to the CB community. Obviously, YMMV would be a standard comment here
  14. Both Retail/Non-retail: Ann Taylor MasterCard Credit Card Fortunoff VISA Credit Card Gander Mountain MasterCard Home Shopping Network (HSN) Mastercard LOFT MasterCard Credit Card Marathon VISA Card *** They also don't offer the HSN Mastercard any longer.
  15. Any idea when DC might open up applications again?

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