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comfortablynumb

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  1. Is every 6 months ok to ask for CLI? I just got chase Reserve up from 9k to 18k. Want to try again but not sure how long to wait? Sent from my iPhone using Tapatalk
  2. Hi folks. Is there a Cap 1 email for recon? I️ love overseas and getting them on the phone is tricky sometimes. Thanks ! Sent from my iPhone using Tapatalk
  3. So no chance of any BK coming off? I have some that I filed in 2010 but never finalized it. I still got burned on the reports and it's been haunting me since. Sent from my iPhone using Tapatalk
  4. Question on this. Is the 100K offer permanent or does it expire? Thanks
  5. On the contrary, learning how to deal with each credit card company on its own terms is all a part of the "game". This is no different than applying for a Chase card in order to get a sign up bonus and large credit limit, and then transferring some or all of the limit to a different Chase card. IE, knowing that getting a small CLI from Chase is difficult, but getting a large limit on another card and transferring limits is a piece of cake with Chase. Whereas with FNBO, calling in every 4 months and asking if a credit increase is already pre-approved is a great way to get SP CLI's, and some people have gotten $5000 SP increases this way. FNBO can be generous with credit limits, if you know how they like to be treated. And everyone should know the American Express 3X rules by now. It hardly bears repeating. So, every company has its quirks and methods. I see no point in insulting credit company knowledge when it is presented. Rather, try to use the knowledge for your advantage. 0 I am not familiar with this 3x rule. What is that about?
  6. Hello there, I just got approved for Amex Delta Sky miles gold. Only 1000 CL though. I wanted to call for a recon on the CL. Which one of the backdoor numbers listed should I use? Anyone find any success with CLI on instant approvals? Thanks!
  7. Credit Application: Your Age? 42 Your Equifax Credit Score? 685 Your Experian Credit Score? 671 Your TransUnion Credit Score? 723 How many years have you been on file with Equifax? 20+ years How many years have you been on file with Experian? 20+ years How many years have you been on file with TransUnion? 20+ years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? TD Bank Your current open auto loan payment is? 880.00 Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 0 How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 9 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 5300.00 How long have you held your current job? 6 years Your total provable monthly gross income is? $35,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paycheck Stub, Bank Statements Is there additional monthly income? What amount monthly? 3,100 Describe the source. Property Rent Is the additional monthly income provable? yes Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 6,000 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Bankruptcy from 2010 Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 2016 BMW 740

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