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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
  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 conside
  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 $100 limit. He keeps the cards
  8. I probably have more credit cards than I need. Made some stupid choices back in the day and only keep them open to keep my Average Age of Open Accounts as old as possible. The only downside for me is that I have to log into the accounts a couple times a month to make sure I didn't use a card and to check for fraudulent activity. It's a waste of time. The man that holds the world's record for number of credit cards has over 2,500 (or something like that). His credit score is in the mid 700s with 2.5 million in available credit.
  9. Here is my experience... For over a dozen years I was following Dave Ramsey's advice and gave up all credit cards. Finally I realized how stupid that was and realized how much easier life was with credit cards (if used correctly). By this time all my good credit had fallen off my credit report and I had to start from ground zero. So, about 3 years right before I found this site I was up late one night and did a HUGE app spree. I was rejected for about 70% of everything I applied for, but did get some decent cards. Then I decided to try and get the HPs removed. I
  10. He's part of the show and actually has his own fan base. In my job I deal with a lot of reality personalities. They are either the nicest people you would ever want to meet or they are total %$#$#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
  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 h
  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
  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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