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TomDumb

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  1. chase ink plus - $5000 not great but I've been denied 3 times in the past Sent from my iPhone using Tapatalk
  2. TomDumb

    Fuelman confusion

    UPDATE !!!! I talked to a sales rep. He was super helpful. He said it didnt make sense to him either. He said he was going to research it and call me back but I didnt hell call me. He did call me back within 1 hour - WOW... He asked how did I do the app. I told him online at work using my ipad pro. He then asked was I using celluar or a network connection. I told him I was using the wi-fi at my full time job. He said thats what triggered the fraud. since I work for a big corp. All network traffic is routed thru corp office 3 states away and that IP address is what trigger the fraud and closed the account. He has re-submitted the app with the same credit pull. He even offered a better product for me than I actually applied for. I have to 24-48 hours to see if I'm approved. Who knew they looked at ip address during credit apps.
  3. TomDumb

    Chase Ink plus

  4. TomDumb

    Fuelman confusion

    Yeah, the whole thing was strange. I not sure why they pull back the approval at one point they said I locked the account. Yes I PG this. My score was 716. What should my next step be
  5. TomDumb

    Fuelman confusion

    I applied for a fuelman card during thanksgiving week it went to pending... Then the monday after thanksgiving it get an email saying I was approved with a $1000 limit. I got the cards within 2 weeks. Upon trying to use a card for the first time it was denied. I tried to log onto the website it says my account. After 20 phone calls no one seems to know why my account was lock. But I finally got sent to the fraud dept. said there said I wasnt approved for due to my credit rating.... This was a PG account What should my next step be ? - Leave it alone and try again at a later date - Recon the app with another department - if so what number or department should I ask for/use
  6. anyone interested in a PRG business 75k/$5K. I just got it. I dont think I going to use it.
  7. TomDumb

    Citi - what did I just do

    I wanted to get in with citi and also get 20k Thank you points ($200) but didnt want to waste a EX or EQ inq. I did want them to pull TU I just baffled at -why would they deny me, then approve me 4 days latter ? You got lucky and they pulled TU like you wished -I thought CIti was inq sensitive ? cough BS cough - thought citi liked clean reports ? -I thought citi didnt like a lot of new accounts. (all the accounts below are within the last 13 months cough BS cough You did apply for their basically entry level card with blah rewards and no ability to transfer the TYP's to different programs, so it has more lax approval standards. Kind of like it's much easier to get a Chase Freedom vs a CSP. And Kongrats. Keep building your limits up, and in 6 months to a year Citi will give you a better limit. You should be eligible for a CLI at the 6 month time period for the new card Thanks for the clarification.. Basically I did get what I wanted 1) A TU pull 2) In with Citi 3) A no fee card 4) 20k points (either with or without the $0 spend. $1500 isnt too hard to do) 5) A card the I can get CLI's with.
  8. TomDumb

    Citi - what did I just do

    I wanted to get in with citi and also get 20k Thank you points ($200) but didnt want to waste a EX or EQ inq. I did want them to pull TU I just baffled at -why would they deny me, then approve me 4 days latter ? -I thought CIti was inq sensitive ? - thought citi liked clean reports ? -I thought citi didnt like a lot of new accounts. (all the accounts below are within the last 13 months
  9. TomDumb

    Citi - what did I just do

    Last week when cit have a typo on their website for a Thank you preferred card that gave away 20k points for $0 spend. -1 applied knowing EX and EQ is frozen. - My TU has 18 inq on it - I sure hate that *B is dead. - Still have a CO that 5 year old I got the unable to approve your application and the 7-10 msg. Then today I get a inq alert on my transunion (WTF Citi doesnt use TU in louisiana). Then I get an approved email with the low limit of $3800.... at least I'm in with all the prime lenders that I want. Citi, chase, Amex, Cap one (yes they are prime, lol)
  10. My annual fee came up on my cap one card. I was ready to cancel the card and apply for the venture card. So when I call in to cancel they waived the annual fee. so its socked drawer for at least another year.
  11. TomDumb

    How does closing a auto loan affect score

    update 2 My scores dropped because I forgot to leave a $2 balance. My util was zero....
  12. TomDumb

    How does closing a auto loan affect score

    UPDATE Just to give a data points. FICO score dropped 11 points. things that changed since last month CLI increase on my NFCU from $3100 to $15000 CLOC obtained for $15000 so I may have been rebucketed
  13. is a 75k bonus on the platinum worth mentioning.
  14. TomDumb

    Help whychat I'm stuck

    You sent this new CA the medical DV?? http://whychat.5u.com/ltrcavalhipaa.html No, I didnt, I sent http://whychat.5u.com/ltrcaval.html It is not reporting to any CRA?? Not that I aware off. Just the information via the letter. Are these charges listed yours?? 4/10/13 -$29 - Xray services - denied by insurance 4/10/13 -$309 - Xray services - denied by insurance 5/5/15 - $35 - xray services - sent to collections yes, the are mine Do you have an EOMB from your insurance for the 2015 charge?? Yes, I just pulled it up. If you have an EOMB from your insurance for the 5/2015 bill for x-ray services, what does it say for patient responsibility.?? It looks like I didnt meet my deductable during that time period and I do owe the $35 Double check all your reports-- are you still opted out?? Or did you opt back in accidentally or on purpose once your reports were clean. I think I did opted back in. But I just opted back out today.

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