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nooneimportant

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Everything posted by nooneimportant

  1. Penfed Platinum Cash Rewards $50k Discover It $44k Chase Ink $41.1k
  2. It only took 13 years here. I got an auto CLI from Chase of all issuers to push me over the edge. I now have $504,100 available credit with 23 accounts. :)
  3. I was just approved for $30k for the Capital One Savor One card. This would have brought my total lines to $501k if not for AMEX cutting my limit. No CP status for me. :( I'm still just a lowly whore thanks to AMEX.
  4. Thanks MP80! I just applied for the Savor One and was approved for $30k. This is more than sufficient for my needs. My Experian app updated this morning with an 811 FICO 8. It dropped to 808 after the inquiry.
  5. I just got a letter in the mail from AMEX informing me that they cut my credit limit from $30k to $15k to align with my spending. I rarely do more than 1-2 small charges a year to keep them from closing it.
  6. I want to apply for a card with a longer 0% purchase promo rate but want a decent starting limit. I am currently considering US Bank Platinum with 20 months at 0%, Wells Fargo Platinum with 18 months, or Capital One SavorOne with 15 months (this seems better than the Quicksilver simply because the rewards could actually be useful later). I currently have $40k between personal and business cards with US Bank, never had anything Wells Fargo, and a $10k Capital One card that used to be HSBC and seems to be considered a red headed step child. I didn't see much recent experience in the CP database.
  7. If you're paying $200 for a toaster, it should make your entire breakfast.
  8. I still occasionally receive phone calls from debt collectors looking for someone that apparently used to have my phone number. I've had the same number for more than ten years. If I start getting collection texts, I will have some fun replying to them.
  9. I suspect the reason is someone can't do math. The installment "debt to credit ratio" also looks like nonsense.
  10. I still have one of their cards. I think I got one CLI years ago. Other CLI attempts have been denied due to lack of use. I think my limit is $3k. On in the positive side, they do occasionally have special casback offers and decent BT offers. I recently used a no fee, 3.9% interest BT offer. I paid it off before the statement cut and was charged no interest.
  11. Have you noticed a larger effect on your mortgage FICOs?
  12. Your Discover card will provide a real FICO credit score.
  13. Did you call back to see if Helen would provide the real scoop?
  14. They claim you are avoiding them, and then when you do talk to them, they hang up on you? I think it could very well just be a scammer.
  15. I'm unimpressed. If they up the cash back to more than 3% (the level of some existing cards), I would be interested. Also, it doesn't say what the 6 month promotional rate is. I assume it is 0%. Even then, with current interest rates, cash back sounds like a better option. 12 months at 0% may become interesting.
  16. If you only have 2 revolving accounts, you should definitely get a third. It should boost your credit score. Ultimately, for the best score you need five revolving accounts. But the first three will have the biggest impact.
  17. There was no evidence of that reported. Given the scarcity of Discover-only merchants, it seems more likely that others simply didn't bother to report the breach.
  18. "We can confirm this incident did not involve any Discover systems and we are forwarding this to the appropriate parties for review. We're aware of a possible merchant data breach & are monitoring accounts. Our members can rest assured they’re never responsible for unauthorized purchases on their Discover card accounts. *Shawni" So this breach occurred at an undisclosed merchant. Discover reported it to the state of California and issued new cards to those potentially affected.
  19. I just got some checks in the mail with the same offer on my existing card.

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