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sangha44

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  1. So I had a strange thing happen tonight and would like to get some suggestions or advice. My first credit card I ever had was an AMEX Green Charge Card and pretty quickly I had an Optima and a Gold Amex. I screwed them over completely in the early 90s. Fast forward many years and several AMEX corporate cards plus a BK that was discharged in March 2015. I wait until December 2020 and applied for an AMEX Blue Cash Preferred, not expecting to get it, and bingo, was approved with a $13,500 CL. Complete surprise and all is good. Tonight I contacted the AMEX customer service about s
  2. Thank you once again. I value you your advice. I suspected it wasn't very important. I think it might be my Dell line of credit. I have a $3000 CL with them and currently owe just over $700 (no interest). So maybe that's what concerns them. When I actually speak with lenders they provide me with great rates and reassure me that my credit is fine. I was more curious than anything. Thank you again, Hegemony, about this and about the AMEX advice you gave me a few weeks ago. You are very helpful.
  3. This is not about a mortgage question per se but something that did come up from a mortgage pre-approval. I received the credit report from my CU after asking for a pre-approval for a mortgage. Overall, my three scores are all at 700 so that's okay but looking at the comments from each of the credit agencies there are two that really stand out and I am curious as to their overall impact on the FICO score. Hoping someone can enlighten me. 1. TransUnion and Equifax state that I have too many consumer finance accounts. Really?? I have a car loan ($15,000), a line of credit with D
  4. Gentlemen, So thanks to Hegemony's reminder I lifted the freezes on my credit reports and today I decided "what the hell, probably way too early but lets check to see if AMEX has any offers for me". Long and behold, there was an offer for the BCP! I applied and was accepted with a $13,500 CL which is just fine for me. So MANY thanks to both of you!!
  5. Thanks! The gas for me would be very significant. At some point, post-Covid, I will be back to driving 40K annually. My expenses are completely reimbursed but the gas has to be paid my own means at the pump. So it could add up quickly. My grocery bill wouldn't yield a lot and like you, I only use Netflix at $9/monthly. But with the gas, it would be worth the $95 annual fee. Now I have a question for both you and Hegemony. I have read both you state that hard inquiries don't affect one's score which completely contradicts everything I have read as have so many others.
  6. The gas for me would be very significant. At some point, post-Covid, I will be back to driving 40K annually. My expenses are completely reimbursed but the gas has to be paid my own means at the pump. So it could add up quickly. My grocery bill wouldn't yield a lot and like you, I only use Netflix at $9/monthly. But with the gas, it would be worth the $95 annual fee. Now I have a question for both you and Hegemony. I have read both you state that hard inquiries don't affect one's score which completely contradicts everything I have read as have so many others. I don't doubt ei
  7. I'm actually not going to ask the CU for an advance for exactly the reason you stated. I do have to say I was surprised that they gave me a new car loan a year ago when I still had an older car loan plus the CC with a $25,000 CL. I did consider applying for one of their other CCs that offers 3% on groceries and 1% on all else but doing the math it turned out that it wasn't all that compelling. The main reason why I want the Amex BCP is for the gas points and the groceries. Once Covid starts to go away (if ever) I will be driving a lot across the Northeast and Canada. My company
  8. Thank you. I am in the process of doing that and you answered the question in my mind regarding how long it could take.
  9. You know, after I posted this I remembered that I had opted out of all off them. That was a "duh" moment lol.
  10. Cap 1 QS CL$13,500 Barclays Rewards CL$5,000 CU CC CL $25,000 I know many don't like Cap 1 QS or Barclays Rewards but I have been relatively happy with them. Both checked my credit reports in November despite the fact I use them consistently and always pay in full each month. I have had the Barclays since 2016 and have requested an increase in several years. I would like to increase the CL significantly on it but I suspect the timing would be pretty bad right now. I might get an increase but it's likely to be piddley. At least that is my thought but happy to be cor
  11. thank you both. again, it's not a big deal. more my own impatience.
  12. Yes, I go there periodically and see if I pre-qualify. They were not IIB. A number of posts I have read have indicated that waiting six years after a discharge is a good idea before applying. And my Experian FICO is 728 right now so probably have to get it higher before applying for an AMEX. Not sure how much higher it will go with the BK hanging there.
  13. Unfortunately yes. And I have looked pored through my credit reports using the information from CB to see if there was some way of challenging the reporting of it and alas, all three have it accurately reported. I don't see any way of challenging it.
  14. Not sure if this is the right forum to ask a question which is admittedly stupid and I am 99.9% sure I know the answer but need confirmation. I would assume that this is the worst possible time to ask for a credit limit increase on existing cards as well as for applying for new credit cards especially if there is not immediate and compelling reason to do so? Background is that I filed Chap 7 Oct 2014, discharged in March 2015. I have five credit cards (two are crap credit builder cards) with a total of almost $50,000 in credit limit between them which has held steady for two years. Credit
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