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Everything posted by ClaimJumper

  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?
  16. I know it's too late for this advice, but next time push a payment from your checking account. I pay my wife's credit cards from my personal account (that she's not on). There's only a couple of her cards (like USAA) that requires the credit card holder to be on the account paying the card. For those cards I simply use my bank's bill pay service and push a payment.
  17. My wife is a Starbuck's junkie so here's what I do. She has a gold Starbucks rewards card. It's basically a loadable gift card that's given to their high roller customers. The points on it used to be great at one time (worth about 20%, now only around 10%) I'll buy a $100 Starbucks gift card from Krogers when they have 4X fuel points then load that card onto her gold card. The fuel points are worth about $14. I buy the gift card with a 2% cashback card so that's another two bucks saved. Then there's the Starbucks points built up from the use of the gold card that's
  18. I have the Barclay rewards MC and used to use it for the 2% cash back for utilities (which was the only reason I applied for it). I'm beginning to hate Barclays. I have perfect credit (no negs) and generally carry a zero balance on all cards. Yet TWICE they have decreased my credit limit while other cards continue to increase my limits. Both times was when I was taking a trip abroad. I didn't want to log onto a credit card site to pay my balances down to zero from a foreign ISP. So some cards cut with a balance before I returned home (nothing si
  19. All my trade lines have the same phone number. I even broke my card in with a first purchase at Starbucks. But then last week I was buying some things for a party at the grocery store and it declined a $400 purchase, I guess that was the trigger. I tried the card the next day for a smaller amount and it worked fine but now they are telling me its "locked" which I guess is the same thing as frozen. Anyway, I ordered a landline from AT&T and it will be installed on Tuesday. Had to go through a credit check so I guess that may be another HP to keep the card. I'm hoping that ove
  20. No. I asked them that. They said the bank would tell me to call the number on the back of the card. I just left the Cricket store because phone support from India was of zero help. The guy there said he doesn't know how to get a number published. He said places like AT&T and Verizon require a SSN for all none prepaid phones so I may have to get an AT&T or Verizon phone just to solve this problem. That will really eat away at my 2% cash back savings. I went to the Cricket store because customer support in India was of zero help.
  21. Three weeks ago I received a CitiBank 2% Cashback card. I received a letter in the mail asking me to call in and verify my recent transactions, so I did and it got weird. I was told that my card was locked down (can't be used and can't access the website) because the phone number I used can't be traced back to my name. I've had the same cell phone number (no longer have a land line) for 15 years going all the way back to Bell South, then AT&T and three years ago transferred it to Cricket. The rep on the phone told me that I needed to have a telephone number that can be trac
  22. That's new. I had EX frozen when I apped my last Cap1 card. Did they ask you to call or did they tell you online?
  23. For $250 bucks you can buy that title. http://www.elitetitles.co.uk/viscount_viscountess.html
  24. Pre-approved offer for a Home Depot credit card.
  25. Can't remember where I saw it, but I read that an authorized user can request the credit card issuer to remove them as an authorized user because the primary card holder was the one asking for for the AU to be added and they AU basically never consented. A Google search turned up this: http://www.magnifymoney.com/blog/consumer-watchdog/get-removed-authorized-user-credit-card
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