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get.randy

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  1. That's the whole point of becoming a CU member - to use their products. Sent from my iPhone using Tapatalk
  2. You don't need to write the checks to access the account. Just use your debit card, and if the amount of the charge is more than your checking balance, it will draw from the NavChek automatically. You could also do an ACH transfer from your NFCU checking to another bank and it would do the same thing.
  3. get.randy

    Plan to Upgrade Credit Card Quality to Premier Cards

    In my opinion, some issuers might be balk at the idea of approving someone recently out of BK7 that is revolving balances again. You should hold off on apps and CLI requests until your UT is down to the $3 trick. Also, why do you have a secured loan from NFCU? If you have it just to have an installment loan reporting, you don't need it as you have auto loans. If it's for another purpose, I'd wait until you pay it off due to my reasoning above. Sent from my iPhone using Tapatalk
  4. get.randy

    What to pay off first?

    Pay off the larger loan and save yourself some interest expense. Sent from my iPhone using Tapatalk
  5. get.randy

    Should I have my wife skip getting a secured card?

    I would answer the Citi card question w/ the same year that you added her as an AU. Speaking of AUs, I would remove her from any accts that you're currently revolving a balance as those aren't helping her.
  6. get.randy

    Amex retention

    I agree completely. I can easily justify the fee for this card because of the benefits included. Being a regular Uber rider and airport passenger helps. Sent from my iPhone using Tapatalk
  7. get.randy

    Sapphire Points if paid before statement date?

    So then you're carrying a balance on your CU card?
  8. get.randy

    Sapphire Points if paid before statement date?

    When are you paying the balance? Sent from my iPhone using Tapatalk
  9. get.randy

    Collection removed and bupkiss..

    What are the "other blemishes" you mentioned in your original post? Those are likely hurting as well.
  10. get.randy

    Chase SapphirePreferred approved at 8/24

    CSP and C$R are both subject to 5/24, but there have been numerous reports of Chase overlooking this when one receives a pre-approval.
  11. get.randy

    Citi Sent Me a UPS Overnight Envelope

    No joke Sent from my iPhone using Tapatalk
  12. Me Amex Plat - $550 Amex PRG - $195 Chase CSP (converted Fairmont card) - $95 Amex EDP - $95 Amex Gold Delta SkyPesos - $95 Chase C$R AU - $75 Spouse Chase C$R - $450 Amex Plat AU - $175 Total HH - $1,730 The benefits each card provide, as well as Amex Offers, more than cover the amount we pay.
  13. get.randy

    Master 2018 Approvals and CLIs Thread

    Yes, but don't be suprised if you have to give them access to your tax return transcripts. Not an issue if needed. One thing I just noticed. I have not had an Amex account of my own for ages. For this new account that I just opened 4 days ago, I noticed it says Member since 2001. Did I just get B* from Amex or is that in appearance only and not to be expected to report like this on my CR's? Unfortunately it is appearance only now. D* is dead. This card, as well as any additional ones you add in the future, will say Member Since 2001. Your credit report will disagree...
  14. get.randy

    Amex Canceled My Accounts

    mec gave some excellent advice here for anyone reading this now. OP clearly didn't take the advice.
  15. get.randy

    Master 2018 Approvals and CLIs Thread

    Yes, but don't be suprised if you have to give them access to your tax return transcripts.

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