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scott31337

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Everything posted by scott31337

  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!
  14. Actually, if it’s another Chase card, Chase likes under half your annual HHI. You can’t do it online, just call it’s easy. How soon? Keep Chase apps at three months minimum is recommended. I think he wants to churn Chase but doesn’t know how. What forum was this?
  15. I wonder what his HHI is. Beautiful fast car. I rented one before. Was a blast. I have a feeling it’s not great or else he wouldn’t have priced out insurance per month like broke people do.
  16. A 157k mile turd. Because you need a suburban LTZ for two kids.
  17. I may or may not have done everything here listed. We take our vapes (no flower) in a sunglasses case on multiple flights and never had an issue.
  18. Does this help? DOLA is 8/31/2016 - and DOFD would be...? Might be time to get paper reports again... DEPT OF ED/NAVIENT 123 JUSTISON STREET 3RD FLOOR WILMINGTON, DE 19801 (888) 272-5543 Date Opened: 09/23/2011 Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $0 Date Updated: 08/31/2016 Payment Received: $0 Last Payment Made: 08/26/2016 High Balance: $1,750 Pay Status: Current Account Terms: Monthly for 36 months Date Closed: 08/31/2016 >Maximum Delinquency of 120 days in 06/2014 and in 07/2015< Remarks: CLOSED 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 Rating OK OK OK OK OK OK X X OK X 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 Rating X X 120 120 120 120 90 OK OK OK 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 Rating OK X 120 120 120 120 90 X X X 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013 Rating X X X X X X X X X X 03/2013 02/2013 Rating X X
  19. Necroing my rebuilding thread. My Navient/Department of Education account was removed (Got eight 180 day lates in 2014-2015) (I haven't filed any disputes or anything in a while) from Equifax and my FAKO went up 40 points. I don't have any baddies on Equifax anymore! Now would like to figure out the reasoning - or maybe time to re-dispute it for accuracy on the other two. Any ideas?
  20. I hope you like the frickin' boat... I want to pay maybe $5k for a pontoon boat when we move to the lake. I like $4k better. It floats, a motor, it turns, and has some seats. A top would be a bonus.
  21. I know another way to get 50% off a Vera Wang ring that’s not a loophole. Ebay. Where I bought my wife’s Vera Wang engagement and wedding rings, and way under Mr. Loopholes price.
  22. $33k car making $46k... another one... wow
  23. Another who sure learned from their BK. $449 a month making 31k. Wow
  24. Yeah because Crap1 doesn’t have any carts with “miles” and they should just cash in those miles, or statement credit “hack”. But that also would mean they would have to have discipline to save.
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