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Corey1

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  1. My mom is almost finished rebuilding her credit when her bad marks come off next year. She put a lot of money on secured cards and had a credit one card. The only card she regretting getting was her credit one card. Just find secured cards that un-secure AND that give you back your money fairly quickly. Her Wells card took 73 days literally to return her funds lol. The ones that unsecured for her were Bank Of America, First National Bank of Omaha and Citibank. Only her Bank Of America card had a reward structure. Navy also has a rewards secured card if you are eligible for membership. I don't know if it un-secures as easily as BofA, FNBO or Citibank.
  2. +1 I was about to type that lol Just curious why did you get rid of the Barclay Financing Card and keep the Credit One? Did you combine the limit to the Rewards MC? I've also read on here that people have received great rates on auto loans with DCU, so I'd keep that one.
  3. I don't think you should quit yet. 2-3 more cards won't hurt you, and you can let them age together and build a solid AAOA. What else are you interested in other than Discover? ... I also liked the SPG but I read you can't get two AMEX revolvers at same time, just the charge and revolver. ...In my experience that is not true. Late last month I apped for Amex Delta Gold, SPG and HHonors. Delta was approved instantly. Received email a week later that HHonors was approved and then a few days later another email that the SPG was approved. Don't be discouraged if you're not instantly approved. It was approved later because of the waiting period. Does that mean I shouldn't apply today for the SPG? I'm just looking to do 1 more app at most, or just call it a day with my CSP, Freedom, PRG and Everyday Preferred You can apply today, but the app won't be processed today. It will be another inquiry. If you want the card, go ahead and apply. It should be processed in about 3 days. Oh ok I understand, thank you!
  4. I don't think you should quit yet. 2-3 more cards won't hurt you, and you can let them age together and build a solid AAOA. What else are you interested in other than Discover? ... I also liked the SPG but I read you can't get two AMEX revolvers at same time, just the charge and revolver. ...In my experience that is not true. Late last month I apped for Amex Delta Gold, SPG and HHonors. Delta was approved instantly. Received email a week later that HHonors was approved and then a few days later another email that the SPG was approved. Don't be discouraged if you're not instantly approved. It was approved later because of the waiting period. Does that mean I shouldn't apply today for the SPG? I'm just looking to do 1 more app at most, or just call it a day with my CSP, Freedom, PRG and Everyday Preferred
  5. I don't think you should quit yet. 2-3 more cards won't hurt you, and you can let them age together and build a solid AAOA. What else are you interested in other than Discover? Besides discover I was interested in the Arrival + but I don't see that anywhere on the barclay site. I also liked the SPG but I read you can't get two AMEX revolvers at same time, just the charge and revolver. The other card I liked was the Bank of America Cash Rewards card. I still have a pre approval mailer for that card too that hasn't expired yet. Why not the AMEX PRG? It has a 50,000 point bonus which will match up well with the Everyday Preferred. The AF is waived year one. And the credit pulls will merge if you do them both today. The BofA Cash Rewards is kind of a turd. Arrival+ is temporarily off the market while they institute product changes. Thanks Konrad for the heads up on the PRG. I applied and was approved. I guess since its a charge card that my limit is something internal that only they see? So far from my Amex ED Preferred, PRG, CSP and Freedom apps I've seen 2 HP on EX (1 from Chase and 1 from Amex) and 1 on EQ (from Chase). I still have 0 on TU.
  6. I don't think you should quit yet. 2-3 more cards won't hurt you, and you can let them age together and build a solid AAOA. What else are you interested in other than Discover? Besides discover I was interested in the Arrival + but I don't see that anywhere on the barclay site. I also liked the SPG but I read you can't get two AMEX revolvers at same time, just the charge and revolver. The other card I liked was the Bank of America Cash Rewards card. I still have a pre approval mailer for that card too that hasn't expired yet.
  7. I got the Freedom as well 4700. I guess I should stop there so I don't get shut down on any of my approvals. I've read about Chase doing that. The only other card I thought about was Discover. So I have 3 older cards: USAA Classic Amex, Navy Federal Platinum and Citi Diamon I got today: CSP, Freedom and Everyday Preferred (although I don't know the limit on this one, is that something they would already know if I call?)
  8. You are most certainly welcome! I have to be honest, I learned that bit from Mendel. LOL
  9. I did two applications online this morning. I was approved for the CSP (thanks for the advice by the way) and I got a application under review message for the Everyday Preferred card from American Express about three hours ago. Is that too much at one time or can I try applying for the Discover Cash card? thanks! Whatever you apply for, you should do it all today, I recommend applying for a Chase Freedom to pair with the CSP before doing anything else. Thank you, I used the link for american express I found on here and it said the ED Preferred was Approved but it didn't give a limit. The CSP was approved for 6k, I'll go try the Freedom now. The CSP, Freedom and Slate came up as pre approved this morning on the chase site.
  10. I did two applications online this morning. I was approved for the CSP (thanks for the advice by the way) and I got a application under review message for the Everyday Preferred card from American Express about three hours ago. Is that too much at one time or can I try applying for the Discover Cash card? thanks!
  11. Ok, I've completed what everyone told me to do on here. My two CLI have reported to all three CRAs. To recap, I haven't applied for anything in over three years. My current credit lines are: USAA Classic Amex 4700, Navy Federal Platinum 12,000, and Citi Diamond 7500. I also have a paid off loan with Honda Financial. I'm in my early/mid 20s and military (if that matters). My credit scores are: 773 TransUnion, 767 Equifax and 798 Experian. I've researched and these are the cards I am interested in but I would only want the best four or so that experts on here think I should try for and then let them all age for a few years before applying for anything again. I'd also like any advice if there are certain ones I should apply for first. American Express SPG, American Express Everyday, Chase Freedom, Chase Southwest, Bank of America Cash Rewards, and Discover Cash. I also received a pre approval letter in the mail for a Virgin America Visa card (wasn't sure if anyone liked it, they do fly nonstop to my mom and sisters)
  12. So as I'm waiting on my CLI to report at the beginning of this month, like I was told to do from other members on here. I've researched a few cards. I don't want a bunch of cards, because honestly I'm in my 20s and I think if I spread my spending on tons of cards, I won't be able to make most of whatever reward card(s) I end up getting. I was wondering, I see people say apply for american express bce first then a charge card. Is there a reason for that? Also, does anyone know if American Express will approve someone for a SPG card if they do not have a card from American Express yet or do you have to build up to that one? I think that is the only "hotel" card that I would find useful for when I see my mom and when I pay for her room when she comes to visit me here. I also like that the different levels (gold, etc) are easy to understand how to get to each level. Thank you everyone
  13. Update: My Citi Diamond was increased to 7500. Thanks for the advice! My Navy Statement cuts off on the 1st and my Citi cuts off on the 6th, so I hope they update fairly soon to the CRAs. Thank you for the chart and for everyone's advice. I've made a list of a few cards that I am interested in and who they pull because I don't know if I should apply for cards that pull different bureaus. A few more questions, if that is okay: 1- Are people allowed to have two Citibank cards (non co-branded) as long as their credit and income meet the requirements or do they just allow one of their in house products? 2- Is the credit cards . com site pretty much just a site for Capital One cards? I was just wondering if it was biased since their cards rank # 1 in most of the categories on the site. 3- I've read about Chase only liking five cards or less that are under two years old. Does that mean if I apply for a Chase card and am accepted, do I need to limit new opened cards to four. 4- Does anyone have an opinion on the USAA Preferred Cash Rewards MasterCard 1.5% cash back on each purchase or the USAA Cash Back Plus AMEX (these seem to look similar to the Quicksilver and BofA Cash Rewards unless I'm missing something). I'm also not sure if I can have two USAA cards at the same time. I don't trust asking a CSR on the phone after reading some posts on here about CSRs giving false information on occasion. 5- Not a question but I saw some wondering if I was wanting a long term or short term strategy.... I'm looking to open these cards about the same time and not apply again for two more years at least. Thanks to everyone for their help!
  14. If you are close to a branch, just walk in and ask. Worst they will say is "no." I thought you had to be either active duty, retired (drawing a pension) or an immediate family member of a current member to join. But, I've never tried to sponsor anyone before. I didn't know if they overdraft their checking or savings accounts, if I would be liable for their debt to the CU, so I haven't tried sponsoring before.

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