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nysbadmk8

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Everything posted by nysbadmk8

  1. Love seeing this still used.
  2. These numbers are no longer any good- BofA Business: 877-665-5023 (Analyst/UW) BofA Business: 877-665-5023 (New applications)
  3. Anyone have any luck consolidating cards here? I have a never used Fuel rewards card that is set to be killed off in February, and would rather move the line then lose the line. Front line CSR said No. Just curious if anyone else had luck.
  4. Navy fed does not report to personal. Max exposure on navy fed business products is combined 50K
  5. Only on my wife's side. On my side (brothers & sisters, but excluding my parents) I wouldn't lend them a bottle of water if they were in the desert dying of thirst. My wife's family is great. Heck, even my wife is great. I never tell her that, though, because then she'd be asking me to do crap like do dishes and help wash clothes. Dont slip up and let her read this.. or find out at all.
  6. As a sole owner of a LLC. I am not self employed... I am employed by my business. I've never selected self employed ever.
  7. It becomes a job to manage 50 cards. And you hit a point of diminishing returns. So the creditors you wish to gain higher lines with become harder to get credit from because of (number of cards, Inq's, new accounts) Etc that comes with opening many lines. I.E. my suggestion to rack them up on the Biz side... No new accounts on you report, hidden lines, etc... You take the hit for the Inq, but you arent messing your AAOA up, and giving chase and other's to be stubborn. I solely focus on Business accounts, consolidating, and Increasing line size.
  8. Who does Sams club pull from? DNB/EQ/EX? Doubtful.
  9. I can tell you, as someone who is near such a goal (maybe even there, I haven't checked lately)... Its stupid. Totally stupid. The Business lines I use, Build as many as you can, as big as you can... The personal lines. I've consolidated so many cards its not even funny. I use 4, maybe five a year... At most. I cant wait till I have all my personal cards down to like 10 at most.
  10. Lots of people can get 5 now. Some are stuck at 4. Haven't seen any 6's yet though I've been under a rock for some time. I honestly didnt even realize it was my 5th till after I got it. I only keep two of the 3 personal revolvers I have cause of *D I lost a D* Costco and am still keeping a crappy Gold charge card because of the D*. The things we do for some age...
  11. 80K is max for personal accounts. 50K is for BUSINESS accounts. Neither affect each other. I have the max exposure 80K on my personal account, and 50K on my business account.
  12. Konrad's Right... 50K Isn't much if you actually run a business- We are at 53K on our SPG on our last statement cut, and Its not my only card we spend on.
  13. Lots of people can get 5 now. Some are stuck at 4. Haven't seen any 6's yet though I've been under a rock for some time. I honestly didnt even realize it was my 5th till after I got it. I only keep two of the 3 personal revolvers I have cause of *D
  14. I'm at 4506-T CLI's on the personal side. I have obtained two Biz revolvers without any 4506-T submissions.
  15. 764 to 789 Fico 8 to Fico 9 My Eq has always been 20-30 points lower then my TU/EX looks like fico 9 changes that? I'll never be one to achieve 820+ I open too much new stuff, and use 0% offers frequently
  16. Max exposure is 50K across all Biz products unless you wish to go into P&L and 2 years returns then its 75K. I put it all on the Biz card, I never use the CLOC products since the Business has multiple LOC's
  17. Was also my 5th Revolver with amex. So no more 4 card limit?
  18. Yup, Its business decision. Score drop, and recent lates signal to the creditor that you are struggling.
  19. Mine say the same lol... I threw them my Amex spend for 3 months. Got me nowhere.. Back to racking SPG points up. When I'll spend them.. I have no clue, I'm over 200K now. I haven't resorted to giving the card use for a CLI yet and I don't intend to. All I want is $500 to push this to 50k! Sounds like vacation is in your future! Small Business Owners dont get such things... LOL
  20. For anyone curious the old 25K max limit w/o P&L and tax returns is Now 50K So you can get 50K on a PG, Or now 75K if you provide P&L + biz and personal returns.
  21. Mine say the same lol... I threw them my Amex spend for 3 months. Got me nowhere.. Back to racking SPG points up. When I'll spend them.. I have no clue, I'm over 200K now.
  22. Depending on your profile perhaps closing them would yield a better result in terms of a card(venture?) with higher CL Profile is in sig, But its more then a number at this point... Clean profile, High Cl's from prime lenders, etc... Cap one doesnt like prime customer who know's they are prime in my estimation.
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