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GonnaGitIt

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Everything posted by GonnaGitIt

  1. Just discovered FNBO cli from 3800 to 7500. Only run gas charges through this card. Sent from my SM-N950U using Tapatalk
  2. I have been opted in for well over a year. Sent from my SM-N950U using Tapatalk
  3. Yes, ebates with a 3100 cl and thats it. Sent from my SM-N950U using Tapatalk I am not opted out, rayher I had opted in to see what kind of offers would come my way. Sent from my SM-N950U using Tapatalk
  4. My recommendation has zero to do with AAOA. OP has a total of 12 CC's (2 additional store cards not in the list above), all opened within the last year. All cards, with the exception of the 2014 card, are considered new. OP should easily be approved for at least $10k on a Venture card. Combining both with the oldest card would be $14,750 at the very least. IMO, closing the 2014 card would be very foolish. Checked the CAP1 pre selected and says nothing for me now. Should I just wait it out a bit? Would much rather be patient with favorable results. The comments are so appreciated and keep me looking at things in a different light. Always learning.... Sent from my SM-N950U using Tapatalk
  5. I agree with the above, but in the OP's case, he should keep the 2014 card open. IMO, he should get a Venture for the SUB then combine the 2 newest cards into the oldest card. Proud to report CLIs since I posted AMEX Blue upgraded to Preferred AMEX EVD cli to $12k Discover cli to $9100 Lowes cli to $5k Sent from my SM-N950U using Tapatalk
  6. Scores were in the neighborhood of 675 at the time. Currently are 720ish.I have around 10 TLs that are majors and 3 store cards. Sent from my SM-N950U using Tapatalk
  7. Look up Amex 3x cli on these boards and follow them precisely. Sent from my SM-N950U using Tapatalk
  8. Have a plan but just want your opinions... 1. Cap1 Platinum opened in 2014 with credit steps, upgraded to QS1. Current limit 2300.00, current balance 0. 2. Cap1 QS1 opened in May 2017. Current limit 2700.00 April CLI was a sorry $250. As of today, neither available for upgrade. Thought process: Want to get out from under the credit steps stigma by combining it to the QS1 card I was approved for. Currently have much better CL, $12 Amex, $9100 Discover, $7800 Citi. Trying to escape the smaller CL on the report. Am I on the right track or will thr credit steps follow me? Sent from my SM-N950U using Tapatalk
  9. If they are all reporting as positive and are you oldest accounts, removing them will not help you. It could decrease your average age of account and have a negative impact. This just happen3d to me and resulted in a score drop when the aged off my reports. Sent from my SM-N950U using Tapatalk
  10. I send these to the shredder. Couldn't see where it benefited or strengthen my portfolio. Sent from my SAMSUNG-SM-G920A using Tapatalk
  11. FNBO NRA card, Cap1 upgrade QS card Sent from my SAMSUNG-SM-G920A using Tapatalk
  12. Guess who's getting the first round!!!! Oh I have NO idea. Still have the mailer for the Citi DP....it's haunting me. Sent from my SAMSUNG-SM-G920A using Tapatalk
  13. Citibank Cash Back card!! Sent from my SAMSUNG-SM-G920A using Tapatalk
  14. Generally yes. Although you could call TU and have the mistaken duplicate pull removed very easily with basically no risk of AA. I could get my shins polished every Saturday. Now that's hot
  15. Well that said, I do still have a pre authorized mailer for the DP card. Dare I?
  16. You're already here. No one is going to vest the time into others as you would yourself. Read and stick around, you can do it. Working through the issues and the painful process of repair works wonders as a deterrent to duplicating mistakes.
  17. My recent Citi CB approval was for my highest limit yet and was $3300 higher than my highest reporting card. I have no issues with them at this point honestly.
  18. My Discover card in a nice little tidy package I might add! Citi CB welcome packet, letter advising of class action for the builder of our new home.
  19. Absolutely nothing! Not even junk mail...wasted trip to the mailbox. Sent from my SAMSUNG-SM-G920A using Tapatalk
  20. I have called three times in the last month. Just maxed the card today and will PIF once the charge is no longer pending. Something I don't like is their payment system - you are unable to submit payment while the charge is pending. The payment buttons are grayed out, so I have wait until it posts. Are you using the card in-store or online? If online, push a payment from your checking to the Lowes card so that it's already there when the charge actually posts. If in-store, walk over to Customer Service and make a payment for the amount you just put on the store card using your debit card. Again the payment will already be there when the charge posts. Got it, thanks. Using only in store. Haven't paid a cc bill in store in eons and honestly hadn't even thought of that. All this technology....lol Sent from my SAMSUNG-SM-G920A using Tapatalk
  21. I have called three times in the last month. Just maxed the card today and will PIF once the charge is no longer pending. Something I don't like is their payment system - you are unable to submit payment while the charge is pending. The payment buttons are grayed out, so I have wait until it posts. Will check tomorrow. Regardless, whether it be chat or phone, no CLI for me yet. I will call again once the next statement cuts. Will have another month of spending the limit and PIF.
  22. Make sure to get your free TU report. So question on this one. Below is the verbiage from the Sync CLI denial letter: "Sync Bank has received your credit line increase request for your account. We are unable to approve your request at this time. The reason(s) for our decision are listed below: Insufficient experience at your current credit line. If you have questions, please call the phone number listed below. The verbiage on the back of the letter states, "Under the federal Fair Credit Reporting Act, if a consumer reporting agency or agencies is identified in this letter, you have the right (i) to obtain, within 60 days from your receipt of this letter, a free copy of a consumer report on you from the identified agency or agencies and (ii) to dispute the accuracy or completeness of any information on you in a consumer report furnished by the consumer reporting agency." There is NO CRA listed on the front side of the letter. The Lowe's denial decision was not based on my report but rather some other BS. In reading this letter, it appears as though I am not entitled to a report. Is this correct?
  23. Make sure to get your free TU report. Yes, absolutely. Checked again via chat and received another big fat zero. So frustrating.
  24. I would Thanks Konrad Just upgraded the Plat to QS One. Checked DH and was offered Plat to QS, so we took that one too. Let's see how the CLIs progress with this one now.

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