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About CTSoxFan

  • Birthday 05/04/1978

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  1. Simple conversation. First, be well versed in your CR and prepared to discuss anything on it like new accounts, balances, etc. Also why you wanted the card as others mentioned Start with I applied for XYZ card and was declined and was hoping you could tell me why I wasn't approved and maybe take a second look at the app. Let the conversation lead you from there. Answer honestly, but don't give away any more than you need to...almost like if you were pulled over by a cop. You may get a second pull, you may not. I had to recon my United card a couple of months ago and did not (and was successful in getting an approval).
  2. I think you'll find the A8 and S6 to be two totally different cars/driving characteristics. The A8 will be much more like your 7 series. Given your super low mileage I would agree that buying a late model used/CPO is the better financial decision (assuming you can't write off lease payments), but what is the new car smell worth to you??
  3. I don't ever see us getting to a cashless society, at least not in my lifetime. There are too many people in this country who either don't qualify for accounts or won't use/don't trust banks to make this a reality (IMO).
  4. As you've seen, Discover certainly is a polarizing topic around these parts. I am in the "it's a tool in the box" camp, and I use it where I can derive the best benefit (the 5% categories). That said, I don't go out of my way to max the rewards each quarter any longer as the juice isn't worth the squeeze IMO. I will say though, one of the best promos (in the end) was Disco's 10% Apple Pay deal. Although they butchered the handling like no ones business, in the end they did pay the cash back even after they changed the terms. Nothing like getting 20% CB on VGCs. Makes me long for the good old days of easy MS like Serve & Red Card, Amazon payments, and the US mint.
  5. CTSoxFan


    If you go back, he called one day too late to stop the CLD. You had to call within 30 days and they would restore without a pull...since he missed that he had to request a CLI back to the original limit which required a pull, and was denied. So a double middle finger.
  6. You can also see if your auto insurance policy offers GAP insurance. Some do, some don't.
  7. I had a 2016 S6 and it was one of the best cars I ever owned (leased). Especially after making a small modification to the software. Fast as all hell but super smooth. I would get another in a heartbeat.
  8. same here. DW also is in the no tattoo camp. I am not against them for other people*, just not my thing. *With the exception of face tattos...I think those are utterly moronic and could not find a single one that remotely looks good. This includes skull, inside lip and anywhere else above the neck.
  9. Of all my lenders, I think Citi is my least favorite. I always have issues with their website. They make decisions that defy logic. They are difficult to work with, at best, and they are never consistent. I even have more respect for AmEx who is holding a 16 year grudge against me. At least they are consistent, even if I do agree with their decision. Only reason I don't dump them is that I have over $100K in CLs with them and don't want the utilization hit.
  10. I think Citi also has a student card as well, which can be an option. Unfortunately it has been many, many years since I have been a student and can't opine on those card options, but I would think a Google search should get you some good background. At this point, your focus should be on cards with no annual fee. If they have rewards, even better, but the APR should be irrelevant as you should always PIF every month. Once you have established some history you can look to enhance your card portfolio with cards that provide ideal rewards for your spending and preferred rewards options. Just be sure to avoid bottom feeders like Credit One. Avoid any card that has a monthly fee, no grace period, etc. Basically if it is targeted to bad credit, you should stay away.
  11. Time, time, time. You need to understand all scores are not the same, and even though it says you have a FICO score of 705 or 695 that doesn't mean you'll get approved. You should do some reading on how the FICO algorithms work, but you can have many very different credit profiles and have a score of 705. You have what is called a thin file, which means not many accounts and they haven't been open very long. Creditors want to see that you have a long history of paying your bills on time and that you have at least a few established accounts (ideally it is a mix with revolving (CCs) and installment (mortgage/auto, etc) accounts, but that isn't required). Because you have a short history creditors are less likely to extend you a lot of credit as you haven't proven you can repay. I would get 1-2 more cards then sit there and use and PIF those cards for 12-18 months. In that time understand your spending patterns and find rewards cards that meet those spending patterns and your preferred rewards (cash, miles/points, etc). Once the time has passed you'll be in a good place to get the best rewards cards for your strategy. Look at my sig, credit is a marathon, not a sprint.
  12. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇
  13. This, plus I can get 5% on disco (this quarter), 5X points on F5 in certain quarters or 4% on my Costco card all the time, so 3% is not appealing, plus I have to hope that the pump actually works with Apple pay, which is unlikely.
  14. CTSoxFan


    @nemo I would call the EO if you don't receive a response or a satisfactory one. I have called the Chase EO 2-3 times in the past and had good outcomes.
  15. They tell you exactly the reason. You have less than 1 year of history. Give it a few months, and pay off the Delta balance and you'll probably be approved.

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