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get.randy

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  1.    get.randy reacted to a post in a topic: Looking for 0% purchase cards
  2.    get.randy reacted to a post in a topic: Cap1 Gives Advance Notice of Pending CLD
  3.    get.randy reacted to a post in a topic: Submitting Selfies to Prove It's You
  4.    get.randy reacted to a post in a topic: Master 2023 Approvals and CLIs Thread (Post Yours!)
  5.    get.randy reacted to a post in a topic: When will this last baddie actually drop off??
  6.    cashnocredit reacted to a post in a topic: American Express Member Since
  7.    MP80 reacted to a post in a topic: American Express Member Since
  8. get.randy
    The 1977 on your card will look cool, but they'll stamp a nice big 2023 on your reports when they report.
  9. get.randy
    Most issuers report the statement balance. I set a calendar reminder for each card to pay it a couple days before the statement cuts if it is in a month when I'm trying to do the $2 trick if I need to for some reason. Otherwise, I just PIF after statement cuts most of the time.
  10.    hegemony reacted to a post in a topic: A puzzling piece of stupidity from AmEx
  11. get.randy
    I personally like that Amex allows me to have more than one profile. I use one for my personal cards, and another for biz.
  12.    get.randy reacted to a post in a topic: To close or not to close?
  13.    PotO reacted to a post in a topic: Amex Blacklist after Amex IIB
  14.    Jeffster reacted to a post in a topic: Amex Blacklist after Amex IIB
  15.    hegemony reacted to a post in a topic: Amex Blacklist after Amex IIB
  16. get.randy
    Congrats. Amex is one of my favorites. Their customer service is awesome, and their rewards are great for my needs.
  17.    hegemony reacted to a post in a topic: Crypto.com accidentally sends woman $10 million instead of $100. She went and bought a mansion.
  18. get.randy
    People never cease to amaze me.
  19.    get.randy reacted to a post in a topic: BMO Harris denied my app on July 7th and still hasn't told me why. Here's a draft of my letter to them
  20. get.randy
    The other half of credit repair is to begin opening new accounts and let them age. I'd consider looking into a good secured card that graduates, like BofA or Navy Federal.
  21.    get.randy reacted to a post in a topic: Would you pay in full or rehab?
  22. get.randy
    Why be added as a Joint rather than an AU?
  23.    hegemony reacted to a post in a topic: NFCU 2nd Card & CLI Questions
  24.    get.randy reacted to a post in a topic: Have i reached the end of the credit line with Amex?
  25. get.randy
    Why get a second card? I'm not sure NFCU alllows you to combine cards anymore. You should just submit a CLI request and ask for the limit you'd like. They will give you what they feel is appropriate for your profile.
  26.    get.randy reacted to a post in a topic: My Journey from secured to unsecured (CAP1, BOFA) after 2 years.
  27.    hegemony reacted to a post in a topic: My brothers CAP1 auto loan 168 past due. Will they settle for 50%?
  28.    hegemony reacted to a post in a topic: My brothers CAP1 auto loan 168 past due. Will they settle for 50%?
  29. get.randy
    The part about the car being destroyed was not in the original post. A financed car requires insurance. If the car is totaled, was there an insurance claim? If there was an insurance claim, why wasn't the not paid off?
  30. get.randy
    Why would they settle for anything? Their name is on the title.
  31. get.randy
    What are you trying to accomplish? I think they used to combine cards, but may not anymore. Their max limit is 50k on each card but the Flagship which they go to 80k on.
  32. get.randy

    USAA Question

    get.randy replied to 127B's topic in Credit Forum

    They're pretty stingy w/ limits. They kept saying no to me when my card was 10k, so I closed it a few years ago. Their rewards weren't great at the time, so I didn't really mind kicking them to the curb. Not sure what they're like now. I do use them for checking and insurance still.
  33. get.randy
    Amex Gold is my go to for groceries and dining out. 4x points is great for me. I have no problem using the $10 monthly credits for both Uber and dining, so the card is $10 per year. I like MRs and am able to get good value from them by transferring to airline partners.
  34. get.randy
    I opened an acct in about 30 seconds w/ no hard pull. I'm also a long standing cardmember with 5 Amex cards at the moment, so YMMV. The last few applications for cards I've submitted to Amex have also been approved w/ no hard pull FWIW.
  35. get.randy
    This account is not going to fall off your report. The late payment from Sep 2015 will disappear after 7 years, but the remaining late payments will stay on for a full seven years.

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