StantheMan

It's not so much understanding the oversea's CSR's it's the total silence one gets after posing a question and the constant being put on mute which sounds as though the rep hung up.

Who is the issuer of this card now using FICO 9? Are you referring to the Alliant CU VISA Signature?All new FICO versions contain a lot of subtle "tweaks" to the scoring algorithm, so you are correct here. Typically FICO only publicizes the major changes that the average consumer can comprehend and relate to their personal credit. This FICO spin is primarily for marketing purposes to promote the brand. Fifth Third Bank is the issuer. I have a 2 year Bk with the associated IIB's accounts as my negatives so maybe the IIB's accounts are not treated as harshly.

Recently I was approved for a 5/3 card and a letter was also sent and stated my Fico 9 on T/U was 708. A couple of days prior my Fico 8 was 681 on T/U. In my case none of the changes apply and I assume there is more to the equation than stated.

Blispay seems like a decent card but my Exp Fico 8 is 685 so I'm the cusp according to the data that's available. Will wait unti score hits 695 and go for it. Appreciate the insight.

Thx again will definitely check out Bispay.

Thx will look into that. I do travel a bunch so The Venture is 2% albeit with the annual fee.

I wish I could use other cards for rewards but I only have a 5/3 card with a cap on rewards and not so hot at that plus a couple of sub primes since I stiffed every major in my BK so my options are limited.

For whatever reason Cap1 has issued me >70k in CL's spread over 5 cards since my BK (Cap1 was IIB for a large number) two years ago. I'd like to combine 3 to one for one 48k (2 20k Venture's plus a 8k QS) Venture card and still have a Venture for 20k and my original plat for 3k. I run approx. 5-6K monthly thru the cards. I am a little leery of doing this since having a large limit card without a tremendous spend pattern might trigger AA or raise some other flags. Should I lay low or combine. THX

Thx everyone... I do have 5 yes 5 Cap Ones, 3 Ventures with 20k plus limits and 2 QSers and a 8k Commenity Viisa. Was surprised at the limit.

Appreciate it!

BK discharged 10/15 TU pull 681. Sure it's a VERY average rewards card the Trio but considering I'll take it. SUB $100 12k limit. Was a targeted offer.

Why would anyone care and or need "proof" that either one of these cards is deemed subprime when picking up groceries or buying gas?

I have a thirty six year old wife who feels the same way.

Sorry for the dupe, you guys are quick.

http://www.zerohedge.com/news/2017-03-13/12-million-americans-are-about-get-artificial-boost-their-fico-scores?page=1

All's good.

Enjoy? I guess sort of like having a 100k CL or whatever is enjoyment. Besides what's the downside? read any news lately? Wells F**rgo scandal? And taking money from them helps them? They won't make a penny off me. Will just close the account with a little of their $ in my pocket.

I agree so take the cash and close the account.

Enjoy? I guess sort of like having a 100k CL or whatever is enjoyment. Besides what's the downside?

https://www.wellsfargo.com/jump/checking/prospect-offer/ Took 5 minutes online to complete. Soft inquiry

Just opened a checking account with a coupon addressed to "Dear Neighbor" in the mail. Will get $300 in the account once a direct deposit of $500 is added. After 6 months can remove if desired. No hard inquiry is done. Chase was IIB however was stated to me it doesn't matter.

Two accounts showing as discharged and still reporting monthly from Cap One on all reports. Oct. 2015- Plat 3K Feb 2016- Venture 15K now 20K Feb 2016 QS $5- 5K now 7500 Aug. 2016 Venture 15K now 20K Feb 2017 Venture 20K Just went to the pre qualified page and when it shows I'm good I apply. Burned them in 2014 and initially apped over a year after CO. Do you remember your credit score when you apped the first time? Sent from my iPad using Tapatalk I apped a couple days after discharge and was denied for the secured card, not even a report pull.... 3 weeks later tried for Plat and approved for 3k . Scores were probably around 600ish since it was right after discharge. Lets face it, options are very limited right after BK and while some may scoff at Cap One how many other banks are going to issue you a card with a real limit and no crazy fees so soon after Bk plus even burning them. I for one am grateful.

Two accounts showing as discharged and still reporting monthly from Cap One on all reports. Oct. 2015- Plat 3K Feb 2016- Venture 15K now 20K Feb 2016 QS $5- 5K now 7500 Aug. 2016 Venture 15K now 20K Feb 2017 Venture 20K Just went to the pre qualified page and when it shows I'm good I apply. Burned them in 2014 and initially apped over a year after CO.

I know Cap One gets mixed reviews to be kind around here but having had a BK discharged in 10/2015 I am impressed at the forgiveness it shows. I now have 1 Plat, 1QS and 3 Ventures with 70k CL total. Having burned almost every major bank including Cap One I'm glad at least one bank will give you a mulligan. Will now combined some cards and move forward.

Saw this guy do his "show" six or seven years ago. $35 a ticket and the 500 seat theater was full. He did 4 show over a weekend. The performance consists of him telling his story with a slide show of the the check, deposit slips, letters etc. so no real expences. Sure he's made quite a nice living off his joke.