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swingline

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  1. Hi HM: There are mixed comments about it on various sites. I did call, but the biggest worry is that customer-no-service might give the wrong answer and then weasel out of it later. They told me the offer was loaded onto the account and I was eligible. And the rep noted the account and I got a case number. So it looks like I'm good to go. I'll update this thread in 3 months and let everyone know how I did!
  2. I have a Capital One Spark Elite card and got an offer for the Capital One Spark Cash card with a $500 bonus. I noticed the small print: Existing or previous accountholders may not be eligible for this one-time bonus. I got a bonus when I got the Spark Elite and also have a Quicksilver, so with this being my third Capital One card, it seems like if anyone were going to get excluded on a double bonus, it'd be me. It's a $4500 spend in 3 months and since I have a Chase card that's offering 5% cash back now, I'd lose 3% ($135) if I use the Spark Elite and then don't get the b
  3. After 13 1/2 years of CB, I've seen a lot. This is still the best place to go for people in-the-know. And the benefit to my finances and credit has been priceless.
  4. I wasn't looking to have a "case" against anyone. It just seemed completely against common sense to send me a hard denial on the front of a letter, with the reason that they could not verify my identity, and then give personal details about my credit history on the back. Now if the front of the letter had said, "we would like additional details in order to further process your application" - OR - if the back of the letter contained no details about my credit report, I wouldn't have raised an eyebrow at either scenario. This is similar to seeing a credit report when my
  5. Some good responses, but also a lot of wrong assumptions (Centex/Mr. Mean) and then attacks based on those. To set the record straight: #1 This was a denial letter. They sent me a letter with my correct credit score and told me they couldn't verify my identity and denied me. I subsequently called them, and the agent told me they'd consider my application if I provided the additional information. However, that was not invited in the letter which was a hard denial with no options. #2 This was not Synchrony. #3 I was subsequently asked for infor
  6. Thanks folks. Yes, my address is the same. My concern is if they're saying they can't verify my identity; so why do they think it is OK for them to send my credit score in the denial letter?
  7. Good Day, I recently applied for a credit card and received a rejection notice with the reason: Unable to verify your identity on the front; and on the back it listed: Your credit Score: 790 Source: Experian Date: 09/28/2019 I called the bank and asked them why if they felt they could not verify my identity, they thought it was OK to send some "unverified" person my credit score. They told me it was the law that they had to. Additionally they told me that I could continue my application if I sent them my driver's license, a recent utili
  8. I might get an Amazon card for $500 - $1000 also. I'll see how I'm doing as I get close to the 90 days. The thing about paying a little extra on my mortgage is that it's 3.5% APR, so if I pay ahead a little, that offsets the "cost" of the fee, and it's a nice quick way to finish it up if I'm running short of spending near the end. But what it really does for me is make me not have to stress about the whole thing since I know I can score the bonus with no problem. Buy the visa gift card, turn it into a money order, and then pay your mortgage was my point. Get a Chase Ink business a
  9. I might get an Amazon card for $500 - $1000 also. I'll see how I'm doing as I get close to the 90 days. The thing about paying a little extra on my mortgage is that it's 3.5% APR, so if I pay ahead a little, that offsets the "cost" of the fee, and it's a nice quick way to finish it up if I'm running short of spending near the end. But what it really does for me is make me not have to stress about the whole thing since I know I can score the bonus with no problem.
  10. Zobelle, I just checked out Chargesmart and it is awesome! I'll see how I'm doing in month 3 and then I can charge whatever is left to my mortgage. The whole $4500 would only be $109, but by then I'm sure I'll be pretty close. That takes a load off my mind!
  11. I didn't get the 2% offer, mine was like scorekards and it was for 1.5%. But that half percent is only a $22 difference while spending the $4500 so that's $567.50 on $4500 which is a 12.6% reward. I really wasn't going to do it, but ya'll convinced me. Only got a $10,000 limit, but that'll be fine for purposes of this deal. So what are some ideas besides Amazon gift cards if I start to fall short of spending?
  12. I had a Target card with a $3k limit and they dropped it to $100 because I hadn't used it in more than a year. When I called to see if I could get it increased, they told me they wouldn't, but if I used it, they might in the future. And that if I didnt use it, they'd be closing it the next month. I've used it a few times since then and it hasn't increased on its own. But I do shop Target from time to time, even though Walmart has cheaper prices and more selection, I sometimes get tired of how ghetto it is at Walmart and need a break from it.
  13. I got this offer from Crapital One for a business card (I know they did that since those cards have none of the consumer protections on them) where if I spend $4500 in 3 months, I'd get $500 back. Plus it's 1.5% on purchases too. I'm torn for a few reasons. My experience with Craptial One has always been that they offer a promotion and then after I've applied, they've told me that I'm not qualified (for the offer they "pre-qualified" me for) but they have some god-awful $300 limit card with no benefits for me instead. My spending the last few months has been $1200 - $2000 a mont
  14. A new card hurts your scores and keeps you more captive to them.
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