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  1. My platinum card just arrived today. Off the top of my head I see that I get a $200 airline credit, $200 Uber credits, $100 Saks credits, PreCheck flight reimbursement, and free in-flight Wifi. So the AF should be a wash. Plus I get access to Delta Skylounges, Centurion lounges, and a free Priority Pass to other lounges. I just booked a hotel through AmEx travel so I get 5X points, free room upgrade, and a later checkout time with the Platinum card.
  2. Just wanted to share my progress... Years ago I drank the Dave Ramsey Kool-Aid. I did paid off my mortgage and got rid of all my credit cards. I was debt free and it felt great (at the time). Then, after years getting hassled at car rental agencies, not getting into a decent hotel room (more than once), and having problems with transactions too large for my debit cards daily limits, I realized what a mistake I had made. Also, I hated waiting for flights in uncomfortable chairs while watching other's going into the Delta Skylounge. So I decided to put credit cards back into my wallet. No problem... yeah right. Ten years had gone by and my credit report was blank. Except for a disputed bill that I didn't pay. When they threatened to put it onto my credit report, I laughed... because I didn't care about a FICO score. 3 years ago I was getting turned down for junk cards... So when I started applying for credit cards, I was getting turned down right and left. I was turned down for a BofA and AmEx (both of which I previously had). I hadn't found this site yet, so I was flying blind. I Googled a list of easy to get credit cards and did an app spree. I thought I would get some crappy cards then build back up from there. I couldn't believe the junk sub-prime companies that were turning me down. In December of 2015, these were the places that denied me: - Milestone - Total Card Visa - First Access Visa - Walmart - Texaco - Belk - QVC (Yes, QVC turned me down) But I did get some cards like Credit One, First Premiere, Kohl's, Target and Pottery Barn. My largest CL was $300. I've since gotten rid of the First Premiere, but still have the Credit One (for now) since it's my oldest card. This is when things really changed for me - When I found Credit Boards Then I found CreditBoards. I found out how to get the negative item off my report and how to boost my FICO score. I also found out the correct way to apply for cards. Three months later, I apped a Chase card. I would have waited but I applied two days before their 5/24 rule went into effect. They approved me for $2K and a month later raised it to $4,400 without me even asking. Now, three years later... I have almost every card I want, I certainly have more than I need. This site showed me how to raise my limits. Now I have $100K+ available credit. I have cards from Citi, Barclay, Chase, Discover, and AmEx. I also have a few retail cards for stores I actually use like Amazon and Lowes. But the card I get the most compliments on is my Marvel Card. But the icing on the cake was last week. American Express sent me a pre-approval offer to convert my Gold PRG card to a Platinum card. I took it and the beautiful metal card arrived today in a gift box with a fancy wooden holder. I just wanted to share what this site has done for me and to let others know that it's possible to go from getting turned down for turd cards to building your way up to decent cards. Thank you everyone here!
  3. My wife just got a Navy Federal credit card. I'm trying to pay it off and linked our external persona checking account to the account to pay it with. NF is asking for a "Confirmation Code" for the checking account. What is it and where can I find it? We can't pay her card without it.
  4. I agree. I was trying to get her some large limits so her score won't go down much if she lets cards cut with a balance. The one redeeming factor with CapOne is their end of the year statements where they break everything down by category. It makes tax time a lot easier when scanning for deductions we may have missed. As for getting more Chase cards, she rarely gets new credit. Two years isn't a big deal for her.
  5. That's my fault. I remember reading a couple of years ago that NavyFed was giving out huge limits to applicants with clean credit. All of her cards have very low limits (except for her new cards). Because she had low limits and always left a balance on her cards the utilization was fairly high. Probably should have researched a little more on what cards to get. I haven't been around this site for a while. But I'm pleased with the other cards she received and the limits.
  6. I finally got my wife to start paying her balance in full BEFORE her statements cut. To be more precise, I've simply started logging on and paying her cards myself. She had no negs and no inquiries on her reports. Her FICOs shot up to 800+ scores. After her Cap1 reported with a zero balance and all reports were over 800, she hit the LUV button and was denied for a CLI. There was only one reason given "Recent use of this account's existing credit line has been too high." She's had the card for over 3 years and has a fairly low credit limit considering her income and perfect credit. How long should she wait before hitting the LUV button again? Other info: She was kinda pissed at Cap1 so she picked up a Chase card, two AmEx cards, a Disco card, and a NavyFederal card in a small app spree.
  7. I could setup alerts, but I would still log in for peace of mind. I would hate for one slip up to crash my score. The story behind the guy that holds the record for the most cards is interesting. He's only been turned down twice for a credit card. Anytime he's turned down he makes a recon call and is always asked "Why do you have so many cards and why do you want ours?" He tells them that he holds the world's record for number of cards and wants to add their card to his world record. So they will give him a card, sometimes with only a $100 limit. He keeps the cards in a safety deposit box. I would hate to be him and be the victim of identity theft. That would be a nightmare.
  8. I probably have more credit cards than I need. Made some stupid choices back in the day and only keep them open to keep my Average Age of Open Accounts as old as possible. The only downside for me is that I have to log into the accounts a couple times a month to make sure I didn't use a card and to check for fraudulent activity. It's a waste of time. The man that holds the world's record for number of credit cards has over 2,500 (or something like that). His credit score is in the mid 700s with 2.5 million in available credit.
  9. Here is my experience... For over a dozen years I was following Dave Ramsey's advice and gave up all credit cards. Finally I realized how stupid that was and realized how much easier life was with credit cards (if used correctly). By this time all my good credit had fallen off my credit report and I had to start from ground zero. So, about 3 years right before I found this site I was up late one night and did a HUGE app spree. I was rejected for about 70% of everything I applied for, but did get some decent cards. Then I decided to try and get the HPs removed. I sent letters to 20 creditors that had turned me down (and to the CBs). I got ZERO hits removed. I think the same people advising you here told me not to do it back then. Like an idiot I ignored them. The worse part was, I had been getting a bunch of pre-approval offers and those disappeared. When you challenge an HP you get opted out of the pre approval process. I opted back in but it took months to start getting offers again. I usually don't reply to pre-approval offers, but Citi sent me one and it's one of my highest limit cards now. Since then, I've been following the advice of this site and have every major card I've ever wanted and all with high limits, despite having a ton of HPs back in the day. Bottom line, don't worry about your hard pulls. After a couple of months they don't seem to matter that much. Any place that puts that down for a reason for a decline would have probably declined you anyway.
  10. He's part of the show and actually has his own fan base. In my job I deal with a lot of reality personalities. They are either the nicest people you would ever want to meet or they are total %$#$#s - there is no in-between. Matt Roloff, from Little People Big World, is great. He is always up-beat (despite everything life has thrown at him) and extremely smart.
  11. OK, I see what you are saying. Yes, she does have a Credit Karma login. A $24 balance was showing for Amazon before and after the 25th. She also has a EX login, but she's lost her password. She doesn't keep up with her scores like I do, but then I apply for a lot more cards than she does. She has 7 revolving accounts. All with fairly low limits ($1,300 to $4,600). She likes to wait for her statements to arrive then pay her cards off, so she always has very high utilization, which I'm guessing is the reason why she never gets automatic CLIs. That and the fact that she doesn't keep her income updated on her accounts. I've taken over her payments and now pay them all off before her cards cut. I had her hit the LUV button for Amazon and ask for $10K. It was an immediate approval (should have asked for more). Now I'm going to get her to get CLI's for all accounts that don't use a HP and apply for some better cards with larger limits once her older cards report the higher limits. In a few months, once her scores stabilize I'll start playing around to see the difference between leaving a small balance on her Amazon card vs. a real bank card and report back.
  12. Yes, the Amazon card had a balance. I've been paying off her cards before the statement date, but for the last two months Amazon shipped an item on the statement date and charged the card. She wasn't trying to do the $2 trick, it just worked out that way. I subscribe to CCT, but she doesn't so the only FICO scores I can get for her are from credit cards that offer the service. I did use the free Discover scorecard and it showed 799 for EX. I would wait a month and test it with a bank card, but she was waiting until her scores hit 800 to app some new cards. So she may have some hits by the time her Amazon card shows a zero balance. As for the no installment loans, our house and cars are paid off, so there's no need. We're looking at a vacation cabin, so a mortgage may be in our future.
  13. I'd like to app a NFCU card. Does the CU still give away large credit limits? I have a clean EQ and all my cards will show PIF when I app next week. There is a NFCU branch just a couple of miles from me. When I join, will a credit report be pulled when I start off with a checking account? Should I do a credit card app at the same time I open the account or should I go home and app online? I'm trying to avoid getting hit twice with a hard pull. Any NFCU advice is appreciated.
  14. What's the limit now on your Disco card? Does it allow you to do a balance transfer? You may be able to squeeze out a few extra FICO points by timing things right and doing this... Before your NFCU card cuts, pay your Discover card down to zero. Call Discover and ask them to report to the credit bureaus your new zero balance. It's a little known service they offer. Once your Discover card balance is reported, do a balance transfer from your NFCU card to your Discover card. When your NFCU card reports, apply for your car loan. This should give you a zero balance on your Discover card and a lower utilization rate on your NFCU card when your report is pulled (as long as it's pulled before your Discover card cuts). Of course you're just robbing Peter to pay Paul, but it may be enough to get you a better rate on your car loan.
  15. I paid off all my wife's credit cards down to zero except for her Amazon Prime card (left a few bucks on it). When I checked her FICO score it said one factor affecting her score was that she had no revolving balances on "bank/national" accounts. If you do the $2 trick, does it have to be with a major bank credit card?
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