Jump to content

scott31337

Members
  • Posts

    212
  • Joined

  • Last visited

Recent Profile Visitors

703 profile views
  1. It comes right up for me (I do it on Desktop, not Mobile) I login - go to "Account Services" at the top - and Request Credit Limit Increase is the fourth box in the top right. https://ibb.co/RhL34NL (Don't know why the image adder doesn't work)
  2. CIU 6k FYI You usually ask for 3x your credit limit with AMEX after 91 days of opening the card and then every six months afterwards until 40k+. Then you'll want to tweak it with the right numbers in order to keep under 4506 territory. If they ask for 4506, you can do it, or cancel the CLI and try a lower number.
  3. $596 car payment making 42k a year? I'm getting a headache just thinking about it. Then add insurance (Which they will pay monthly on, of course.)
  4. I had a relationship with Wells Fucknuts quite a few years ago starting out. Their bank was right next to my previous employer, so this'll be fun, right? I get my secured credit card from them years ago, and they graduated it in nine months. That was the best thing they ever did for me. I kept my savings with them (over $500) - as soon as it dropped below, they dinged me with a $10 fee. I closed that account and opened a savings account at a credit union. I still have the graduated platinum and a Propel, both are $1k limit. CLI's are a phone call, and the last one I did took over 40 minutes to get like a 300 dollar increase. So I've never bothered again. I attempted to apply for one of their cards last year (FICO's were what, 730's then?) and got rejected since I don't have a "business relationship" with them. Never again. (Not to you, but others) - Don't ever keep your $$$ at a big bank - credit union or smaller/regional bank is the way to go.
  5. US Bank Triple Cash biz - 3k Citi Double Cash - 5k>6.5k PNC Cash 6.5k>11k FICO’s are in the 790s - almost to the 800 club! I don’t check the thread much anymore - but still want to thank you all for the help! Don’t know what the admins did but the pages load SO much faster then it used to! Good job!
  6. CIC 3k (Not too worried about the limit, will move some from my CIP) Merry Christmas and Happy New Year!
  7. It's been pulling teeth to get CLI's from Chase personally. I've always get the SUB, apply for another (3 month spacing) - call them up and then transfer the CL from the first to the second (They do this without issue, as long as personal=>personal and biz=>biz) - Rinse and repeat. You may have better luck.
  8. SO CIC 8k Looks like Chase is opening the doors a bit on biz cards - Wasn't instant approval but was next day.
  9. AMEX BBC I think it opened at 10k transferred another card to it at 47k now
  10. You did it even better eh? $791 payment on 50k income, but I'll have it paid off in 2-3 years... If you have a 2021 car and no life, I could believe it. But I doubt you would've bought this then... APPROVING BANK: Navy Federal CU BUREAU PULLED: TU CREDIT SCORE: 716 SOFT PULL/HARD PULL: HP CUSTOMER STATE OF RESIDENCE: VI NEW/USED: New YEAR OF VEHICLE: 2021 MAKE: Toyota MODEL: RAV4 Adventure MILEAGE: 9 FINANCE/LEASE: Finance PURCHASE PRICE: $42,163 AMOUNT OF LOAN: $42,163 TERM CONTRACTED: 60 APR/LEASE RATE: 4.69% MONTHLY PAYMENT: $791.24 ANNUAL INCOME: $50k DEBT TO INCOME RATIO: 5% (before car loan) MISCELLANEOUS COMMENTARY: Cars in the VI are a lot more expensive. Planning on paying this off in 2 to 3 years max. Started over because life happens. I did it again even better this time. My highest score last time was 680
  11. APPROVING BANK: Kia Motors BUREAU PULLED: Equifax CREDIT SCORE: 741 SOFT PULL/HARD PULL: Hard CUSTOMER STATE OF RESIDENCE: TX NEW/USED: New YEAR OF VEHICLE: 2021 MAKE: KIA MODEL: Sportage S Nightfall Premium MILEAGE: 12 FINANCE/LEASE: Finance PURCHASE PRICE: 33397.68 AMOUNT OF LOAN: 30500 TERM CONTRACTED: 72 APR/LEASE RATE: 0.9 MONTHLY PAYMENT: 434.69 ANNUAL INCOME: 42k $30k on a KIA making 42k! Another winner...
  12. I must be weird, I enjoy renting a Rav4 and actually would pick it vs a Jeep or other choices. It practically drives itself. A baby on the way, on SSDI, and wants to buy a $55k car making $65k. Wow.
  13. We have 20+ cards and I still know two APRs. Zero percent and not zero percent. Don’t spend more than you have!
×
×
  • Create New...

Important Information

Guidelines