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  1. ccn3

    Upcoming App Spree: Seeking input

    It's definitely the Ink Cash that's approved, because the automated line is now telling me my APR is 0% for one year. Interesting data point, my credit limit is exactly 10% of my annual revenue, which is not a nice round number like 0 or 5, so probably not a coincidence.
  2. I got a small personal loan from a local bank.
  3. Too many "men" these days don't take responsibility for anything. I see women all the time on Facebook looking for a job for their boyfriends or husbands.😂I would never hire someone who can't look for their own job.
  4. ccn3

    Upcoming App Spree: Seeking input

    I noticed Chase doubled the limit on my Freedom while they were at it. Still a toy limit, but I guess they liked what they saw while going over my app.
  5. ccn3

    Approved for Citi Rewards 11yrs post BK7

    Well that stinks. They do have good rewards, so it's worth it to keep trying since there's no hp.
  6. ccn3

    Upcoming App Spree: Seeking input

    The status changed to approved on the Chase Amazon, but the Chase Ink is still giving the two week message. US Bank apparently denied my recon. I'll try again a year after my utilzation is down. Edit: Maybe Chase has my applications backwards, because I haven't received my gift card funds on Amazon yet. I think that's supposed to be immediate once you're approved for the Amazon card.
  7. ccn3

    Approved for Citi Rewards 11yrs post BK7

    Nice. I hope they'll let me back in one day. I tried after the bk was removed, and I was blacklisted. I will try again after ten years from discharge. I burned them for over 15k, so I am not optimistic. Then again, it would be nice to have the backdated credit history, but they were by far the worst creditor to deal with before I filed bk. The threats were unrelenting. The most pleasant to deal with was actually Capital One. I can't say anything bad about them except that they flat out refuse to give me a decent limit.
  8. Exactly why you should have a separate account for that.
  9. ccn3

    Approved for Citi Rewards 11yrs post BK7

    The only one who won't let you back in is American Express, and even they do sometimes. Everyone else I went BK on let me back in, Capital One almost immediately. Citi was the longest wait for me, and every creditor I had was for thousands or tens of thousands.
  10. ccn3

    Approved for Citi Rewards 11yrs post BK7

    They aren't BK friendly at all. They will usually let you back in after ten years though. Congratulations on the approval!
  11. "Legal tender for all debts public and private".
  12. ccn3

    Does Discover have any prestige?

    Was Discover ever actually hard to get? These days it's almost as easy as Capital One.
  13. ccn3

    What Is a VantageScore Used For?

    It's used for giving people false expectations.
  14. ccn3

    Credit score hasn't changed over 6 months

    There's no way your FICO scores could be that low without negatives information on your reports.

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