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  1. I got that newsletter not so long ago about the second quarter of 2022, heed the increase of massive new members joining PenFed. The possible reason for PenFed to bring about prequalification for credit card applications must have something to do with the recent significant increase in new members. However, as of now, the prequalification button no longer exists.
  2. Hey, Pot! Is this the final starting limit or the $10.5K? If it's the latter, I'll not apply.
  3. Thanks! I've learned something valuable from you!
  4. We used to have a regular member here who was as tough as a nail @Konrad2012 but not to the extent of Pot if I'm right both military. Maybe, just maybe the way he used to treat his subordinates was the way he interacted with people, a mindset you might expect. Stern but still a very loyal man, if reading his posts always thank others who gave him good advice @mrjuggalo9er. He'll give you great credit advice, but he has the tendency to become an emotional tirade and push other people away with his onslaught of extreme inundated diatribe! Not to mention that our CB bully alias @hdporter, myself, and others also get the treatment from him! I and the others acknowledged his personality persona, so there's no conflict between us there, there!
  5. There's no need to rant so harshly at someone with a flawed credit report. Well, perhaps it doesn't matter anymore.
  6. If you don't mind me asking, your account is involved in one vital thing I hope it's not an intrusive question, what is the credit limit of your Cit secured credit card after it becomes unsecured?
  7. Hey, Pot! The way I read it, in the first 2 paragraphs of the content, you are debating yourself! Call me delusion paranoid if you will, lol... WTH will release your staking collateral, and the voucher deposit was initially made to get $25,000 on a secured credit card account. Also, no one is talking about APR, you and I are discussing whether there is a $25,000 secured credit card. BTW, a $25,000 secured credit card resonated 10 years ago, and whatever program or policy you want to name it, and whether it's currently available, is a lingering question mark, and I betcha there is utterly no interest to accrue on such pledged collateral account. If you like to get a definitive answer you can ask @cashnocredit.
  8. Keep in mind that Capital One investigation (inquiries) linked its nefarious behavior by culling previous inquiries. Show only updated queries. (Equifax)
  9. Yeah, it happens every month on my EQ report, plus it happens every month on the EWS. This is a new ongoing strategy that minimizes the risk of being stiff by consumers despite account holders having the highest credit.
  10. U.S. Bank for illegally accessing its customers’ credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers’ permission. CFPB Fines U.S. Bank $37.5 Million for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers | Consumer Financial Protection Bureau (consumerfinance.gov)
  11. @cashnocredit I really appreciate your confirmation response to the issuer of the $25,000 Secured Credit Card. I think these credential certificate deposits issued by Citibank for secured credit card accounts are hopefully and expected to continue to this day.
  12. On 11/3/2020 at 8:04 AM, @cashnocredit said: However, you are very fortunate to have a large cash position. The fastest way to improve not only your scores but your attractiveness to an issuer, is to also increase the CLs and usage. I had a similar problem 10 years ago so I opened two secured CCs. One for 10k and one for 25k. Not everyone can do that but for those that can, like you, it tells banks that you actually have significant assets just from your credit report. Do that then use the cards. ................................................................................................................................. I'm not sure if the issuers are Wells Fargo Bank, Citibank, or others, you need to ask @cashnocredit.
  13. @cashnocredit says he applied for the $25K secured card from Wells Fargo Bank when he was rebuilding his credit. (probably 10 years ago)
  14. I don't think I've said that. You may have been confused about Securitization with C1 secured credit cards. They are not the same. @maverick9 also got the wrong concept! You're correct about showing C1 responsible usage and they’ll reward you with way higher SL on new apps. Then just close or merge limits!
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