StantheMan

Have you had any AR’s with TU or EX since you have had the card? So far none for me but fear if one is done my AA card will be shut down due to BK.

Thank You Hege. It’s a small miracle considering I burned them for the same card. I feel there is a flaw in their UW rather than let bygones be bygones in regards to a forgiving attitude. Wouldn’t be shocked if the account was shut down after an AR.

Thanks Shifter. Your experiences has mirrored mine in many ways so I do follow your rebuild.

Called Citi today and was told approved with a 12,500 limit. Never thought Citi would be so forgiving at this stage of the game and somewhat leary that the approval will stick.

I have 3 locations within 10 miles of me and they are actually quite nice with a happy hour during weekdays where if you bring your own mug you get one coffee for free.

Your approval is encouraging so I’ll comply with Citi’s request and hopefully have the same success. Thx for the replies.

EQ is clean and IIB for ~15K. If TU and EX was frozen and remains so BEFORE I applied Citi can AR?

I included Citi in my Chap 7 three years ago and assume I must be blacklisted. I have Ex and TU on ice but have a clean EQ with a 798 Fico 8. On a whim decided to apply for the Citi AA figuring I have nothing to lose since I'll either be declined for frozen CR's and or blacklisted but maybe a EQ will be pulled and I can slip thru a crack. Received a pending notice and no CR was pulled. Three days after applying got an alert for a EQ inquiry and the app is still pending I called and was told some docs were required to complete and a letter will be forthcoming. Recieved the letter today with a 4056 T form. It is a little invasive but would be willing to submit IF I thought that my past history would not be an auto decline after all. Also a fresh pull may be needed. Any thought on my chances. Thx

Good to know and leaving 5k on the older acccount is a probably a wise thing for the sake of the AAOOA. Thx.

I got the old PenFed Amex over a year ago with a 20k CLI. Yesterday I saw I was pre approved for all their cards for 30k. I went for the Pathfinder and was appproved. Since the old card is useless can I take the limit from the old card and combine to a 50k one as soon as the new one is activated?

I have a checking account with WF and constantly get mail solicitations and calls from them even though I was declined instantly a year ago for BK from EX. I do have plenty of revolvers from the usual suspects with good limits and oddly enough banks like 5/3 and BBVA who checked TU and EX also with 15k+ limits. Penfed (The old Travel Rewards) and HSBC pull EQ and after opening a checking account gave me an Advance MC with $20k and $16 respectively. Cap1 is nuts. In the last 3 years I’ve churned 4 Ventures and 2 QS’s. I now have 3 cards after combo with near 80k in total limits after burning them for a good amount. As for the prime ones biding my time may have to be the M.O. unless another door opens.

Good Job. I’m in a similar situation as you. The rough part is finding EQ pullers only AND ones that I haven’t burned plus that are even worthwhile.

Thank You and how will it appear on a paper report... as N/A?

It was a Chap 7 Status shows as N/A= neutral account DOFD=5/2014 Because a C/O regardless if paid or not is VERY negative and remain so for 3 more years. EQ will not show an account IIB without the BK showing and will not reinsert the BK AFAIK

I got my 3 year old BK removed from EQ about 5 months ago and all the IIB accounts went to N/A except a Cap One which now shows as a paid charge off. Of course I'd like to get rid of the C/O. My questions are: The account is reporting wrong as it should be IIB but I won't dare mention BK in a dispute so what's the best reason to use? EQ won't code as IIB without a BK showing. When Cap One verifies how will the EQ software react when IIB is reported when updated? I have several Cap One accounts. Will a dispute affect these accounts in anyway? There's info I can find on a situation similar to mine and would appreciate any insight. Thx