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fgallardalv

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  1. fgallardalv

    Discover luv button fixed: Your credit line has been increased.

    I've had the IT for 6 months, with a starting 10k limit. Twice in the past 2 months I've tried an CLI and both have been denied. My three CRA Ficos are in the middle 700's and super clean reports. I've only not PIF in one cycle. I'm I doing something wrong requesting the CLI ? Sent from my iPhone using Tapatalk I've had the IT for 6 months, with a starting 10k limit. Twice in the past 2 months I've tried an CLI and both have been denied. My three CRA Ficos are in the middle 700's and super clean reports. I've only not PIF in one cycle. I'm I doing something wrong requesting the CLI ? Sent from my iPhone using Tapatalk
  2. fgallardalv

    Banco Popular Visa offering 37,500 AAdvantage bonus miles

    Sorry guys, I got an email from AA with this offer, I haven't app'd for it yet, so I didn't know it was only for PR ! Sent from my iPhone using Tapatalk
  3. http://www.popular.com/en/cards/aadvantage-visa-signature Sent from my iPhone using Tapatalk
  4. fgallardalv

    "Discover 10% to 22% cashback in qtr 4 up to 10k"

    The jig is up !!! I just got the same emails !!!! Sent from my iPhone using Tapatalk
  5. fgallardalv

    Discover

    EQ, I'm in Puerto Rico. Sent from my iPhone using Tapatalk
  6. fgallardalv

    Sync/Walmart closed my account

    You are getting the whole story. There was an NSF in early September, I've made two subsequent payments with no problems, I even requested and got an CLI 10 days ago, never missed a payment. Yes, I have other new accounts in the past 4 months, but that hasn't bothered AMEX, Barclays, Disco or Citi. I got my account with Walmart closed for one NSF which wasn't my fault. Should I call the Backdoor and talk to a Senior UW ? Sent from my iPhone using Tapatalk
  7. fgallardalv

    Sync/Walmart closed my account

    Hard to tell. Do you have any credit monitoring products? I think I'd start there. The NSF reason seems like one of those lines you get fed during a breakup where the soon-to-be-ex just wants to bolt and will tell you anything to get away. Meaning, I wouldn't be completely surprised to find out that the NSF wasn't the reason for the account closure. The CSR said that the reason for closing the account was for that NSF in September. And actually that wasn't for the minimum monthly payment due. It was a middle of the cycle payment I made to just bring the Account to a $0 balance. I had a 5k limit and a $600 balance, so I know they shouldn't be worried about utilization. After that NSF I've made two payments which have been posted successfully. Sent from my iPhone using Tapatalk
  8. fgallardalv

    Sync/Walmart closed my account

    Will they also close my Amazon credit account too ??? I have a 10k limit with them. This has totally messed up my day !! The bank just gave me a letter, but somehow I think this won't work to reopen the account . I'll keep my fingers crossed ! Sent from my iPhone using Tapatalk
  9. fgallardalv

    Sync/Walmart closed my account

    What do you mean by AA ? Sent from my iPhone using Tapatalk
  10. fgallardalv

    Sync/Walmart closed my account

    Yes, the NSF was two cycles ago, and about ten days ago another payment was made without any problems, I called for CLI and it was granted. Today I tried to access the account and i was blocked out. When I called they explained . I'm going to the back right now !!! Sent from my iPhone using Tapatalk
  11. fgallardalv

    Sync/Walmart closed my account

    So it appears Sync/Walmart closed my 5k credit line for a returned payment, for which my bank is at fault, for a payment of $600 that was returned without funds almost two cycles ago. Since then I've made two payments without any problems. I called the CSR line but they wouldn't budge. They say they want a letter from my bank saying that my bank was at fault, my bank says they can't provide me that letter. I really don't care much about Walmart, but this issue reflects on my Credit reports as "account closed by credit grantor" and I'm worried as to the effect it will have on my other trade lines when they come into review, and also it affects my utilization !!! Any suggestions from the pro's here ???? Help !!!!!! Sent from my iPhone using Tapatalk
  12. fgallardalv

    Amazon/Walmart CLI Question

    Always call !!! I've gotten CLI every two months since opening. In 6 months I've gone from $1000 to 15k Sent from my iPhone using Tapatalk
  13. fgallardalv

    "Discover 10% to 22% cashback in qtr 4 up to 10k"

    If it's of any help to anybody here, I'm in Puerto Rico and as of this morning you can still buy VGC in Walgreens here with Apple Pay !!! Maybe this helps someone here ! Sent from my iPhone using Tapatalk
  14. fgallardalv

    Amex Member Since

    Is/was your father an Amex member? Do you have the same name? As far as credit reporting goes, sadly, D* is dead. That sucks, too, because I just got approved for the BCE and PRG and the Amex website shows me as "Member Since 1985" (which is true, I had an Amex card way back then). Oh, man...imagine two 30-year-old positive TLs hitting my reports...my scores would go to the moon! Jajaja, thanks for bringing me back to planet earth !!!! If Sent from my iPhone using Tapatalk
  15. fgallardalv

    Amex Member Since

    Thanks. The Everyday was approved for a very low CL, 1k, compared to my other cards. Guess I will try to get a CLI when I get the card. Sent from my iPhone using Tapatalk

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