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readytorecover

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Everything posted by readytorecover

  1. That is a co-branded card not a core Chase card. 5/24 doesn't apply to these cards. 5/24 does apply to the United cards. The only chance of an approval is if you have a preapproved offer on your login or in-branch. Yeah I just learned that based on the posts prior to yours, but per above recon may work as well. Recon isn't going to work if denied for this reason. You need the preapproved offer either in-branch or online. It worked for me. ☺ Sent from my iPhone using Tapatalk That is a co-branded card not a core Chase card. 5/24 doesn't apply to these cards. 5/24 does apply to the United cards. The only chance of an approval is if you have a preapproved offer on your login or in-branch. Yeah I just learned that based on the posts prior to yours, but per above recon may work as well. Recon isn't going to work if denied for this reason. You need the preapproved offer either in-branch or online. It worked for me. ☺ Oh, and I applied on the Chase website. Sent from my iPhone using Tapatalk Also, I wasn't targeted nor did I apply in branch. I applied at Chase's website. Sent from my iPhone using Tapatalk
  2. That is a co-branded card not a core Chase card. 5/24 doesn't apply to these cards. 5/24 does apply to the United cards. The only chance of an approval is if you have a preapproved offer on your login or in-branch. Yeah I just learned that based on the posts prior to yours, but per above recon may work as well. Recon isn't going to work if denied for this reason. You need the preapproved offer either in-branch or online. It worked for me. ☺ Sent from my iPhone using Tapatalk That is a co-branded card not a core Chase card. 5/24 doesn't apply to these cards. 5/24 does apply to the United cards. The only chance of an approval is if you have a preapproved offer on your login or in-branch. Yeah I just learned that based on the posts prior to yours, but per above recon may work as well. Recon isn't going to work if denied for this reason. You need the preapproved offer either in-branch or online. It worked for me. ☺ Oh, and I applied on the Chase website. Sent from my iPhone using Tapatalk
  3. That is a co-branded card not a core Chase card. 5/24 doesn't apply to these cards. The rule does apply to this card. That was the reason for the auto decline. I understand the co-branded hotel cards are the main cards not under 5/24. The analyst told me it was mainly their non-branded and airline cards that fall under the rule. Sent from my iPhone using Tapatalk
  4. OP, I was recently approved for a Chase United Visa Siggie. I am way past the 5/24 rule. I actually have more like 21/24 with 35 inquiries (I had a crazy app spree). Anyway, it was auto declined but I called the recon number and the analyst approved the card after a couple of quick questions. YMMV Sent from my iPhone using Tapatalk
  5. Thanks... I'll send you an app as soon as I'm discharged.
  6. Thanks guys... what type of interest rate should I be expecting? I plan on starting to clean up my CRs immediately after discharge, but I must get a vehicle immediately after... so, I can always refinance a little later down the road. Just curious as to what % people are paying these days. I'm not sure if it helps, but I do have the lease through Lexus Financial that is staying and a payment has never been missed. Also, I checked my reports last night and I have five other loans that were paid with perfect history that will be staying. I hope this helps.
  7. Thanks, Marv! I thought the same as well, but it just takes so darn long to get through this. I think I'm going to be probably end of June before I get discharged. Are there lending institutions out there who will approve straight out of BK?
  8. Hello, everyone. As much as it kills me, due to family illness, I am going to have to file bankruptcy. In-fact, I have an appointment with the attorney first thing in the morning. *wish me luck* lol I need a little advice... Okay, here's where it gets tricky. I have two open auto loans right now. The first car is my grandmother's car and she pays the payment. No problem (yet).. The second is/was my car. I was in a severe car crash Jan 14th of this year and my lovely (dripping with sarcasm) insurance company has today decided to total my car. I knew it was coming, but it took forever. Anyway, they are paying off this loan by the end of the week. Simply put, I need a car. The only bank (if you can call them that) that has even taken a look at me with my current scores (all between 480-500 -- big step down from last year ) is Drive Financial at 24.99% interest with $7,000 down, but they want me to trade my grandmother's car in. They only want one open auto loan. So, to make a long story short, here's my question... Will I have better luck waiting until after my BK has been discharged for myself to get a car and be able to keep my grandmother's car? Or does anyone here know of a bank or credit union that will take a look at me with my current scores? Oh, btw, the reason her car is in my name is because of ID theft. It's still not all cleared up and she still can not get approved in her name, so no chances of transferring her car into her name. Thank you all so much in advance.
  9. This happened to me. I had accounts with Kay, Jared, and JB Robson (all of them technically the same account) with $3,000.00 credit limits. I didn't use them for almost two years (probably the big problem), went into the store and saw a MontBlanc Pen that I fell in love with. When I tried to buy it using my Jared's card, it was declined. I had to produce my social security card, driver's license, and a recent utility bill for them to reopen my accounts. However, when they reopened them, my credit limit had been reduced to $1,000. Typical!
  10. You can call them on Monday and ask them to reconsider their decision. I've seen it work for some people. Good luck!
  11. Hello! I have two of my business accounts with US Bank, and I was approved for a $5k overdraft line of credit that is attached to my primary checking account. Nonetheless, it was fairly painless. In-fact, I was "pre-approved" for it when I opened the account, and it took all of 5-minutes to setup. I think the pre-approval amount was for $1.5k, and I asked if it could be raised to $5k, and it was without any issues. US Bank always pulls TU for me, and I think my scores were just above 700 at the time. Oh, and the company I opened it on is less than one year old. My loan officer told me they mainly go by your personal credit, but if your business has been open a long time and can show good returns, they'll lean more toward the business credit/assets for decisioning. Good luck!
  12. Yes, I contacted customer service about it, and they said their system automatically flags anyone trying to retrieve their credit score with a fraud alert on their TU bureau. They said they were working on resolving the problem and would e-mail me once I could start pulling again.
  13. I feel like nobody is allowing daily pulls anymore. The only daily puller I have left is True Credit (I guess I was grandfathered into their old system). CIDP just updated (as you guys knows) their membership agreement and are only allowing pulls every 90 days without a chase account and 30 days with a chase account. I told them to kiss it... Anyway, I can't use CCT b/c EX is on ice, and since I froze EX, they put fraud alerts on my other two reports, and even though I have since removed them, CK will not allow anyone to use their service that has had a fraud alert placed on their reports while being a member. Ugh. Any others out there? Thanks!
  14. Hey! I'm hoping you all can help me out here. I have been on the phone all day with at least 15 different banks trying to obtain a financing agreement to provide my new customers with financing. I have owned my own teeth whitening business for a quite a while now, and I just recently bought into a dealership and became a wholesaler. I have at least 30 different salons who are willing to let me demonstrate my equipment and procedures for them, and possibly purchase the equipment to offer teeth whitening at their own businesses. However, I'm afraid I'm going to run into the cost issue. My packages start around $2k and go up to well over $10k. I just don't think a lot of small business owners can come up with that much money to invest in new services right now. On to my question... Does anyone know of a commercial lender that will allow me to offer financing to my prospective customers? I have called almost everyone I know of (Citi Retail Services, LendMark, Wells Fargo, GE Money, American General, Chase, BOA, BB&T, US Bank, PNC Bank, and a few other local banks) and nobody is offering equipment financing for B2B. The best anyone could do was a local bank, and the customer would have to have a 730+ to get an unsecured loan for a max of $2,500. Plus, they can't offer me dealer status. I would like to be able to take the application, get the approval, and sign the contracts while I'm still at the salon. I really think I can make more sales if I can offer a financing or leasing package to my new clients. I thought about providing the financing myself, but I'm afraid of restricting too much of my cash flow and having it come back to haunt me. Does anyone have any ideas? Thanks in advance!
  15. Hey! I just got an '09 BMW Convertible, and I had the option of getting one through European Delivery. I chose not to because of the time it takes to get your car back to the US from overseas. However, they did explain the purchase process to me, and the best I can recall, they discount the amount from the US price of the vehicle. All the financing and paperwork is wrapped up before you go overseas for the delivery of your car. You get to drive it for a week once you're there, plus they give you a tour of the BMW Museum and I think they also give you a tour of the factory. Once your time overseas is up, they put the car in transit, and it could take anywhere from two weeks to two months to get it. It will be delivered to the BMW dealership where you bought it. Good luck, and I hope you enjoy your time in Germany. I would have loved to gone, but my schedule just would not permit it. BTW, what type of BMW are you getting?
  16. APPROVING BANK-BMW Financial Services BUREAU PULLED-Equifax (BMW) Transunion (Dealership) CREDIT SCORE-680/714 CUSTOMER STATE OF RESIDENCE-Kentucky NEW/USED-New YEAR OF VEHICLE-2009 MILEAGE-35 RETAIL/LEASE-Lease AMOUNT OF LOAN-Total price of car was $50,850.00/Total of payments $22301.28 ADVANCE PERCENTAGE-100% TERM CONTRACTED-36 Months APR/LEASE RATE-Unsure... I couldn't find it on the contract, but I did find a "Rent Charge" of $3,9xx.xx (can't remember the exact amount) MONTHLY PAYMENT-$619.40 MISCELLANEOUS COMMENTARY: BMW approved with no problems. I put $2500.00 in cash down. The only stip was that I trade in one of my current auto loans, so I traded in my 2006 3-series. This is my 3rd auto loan/lease. The BMW finance people were a dream to work with. Everything was so painless and simple. I'm loving my new 2009 328i Convertible! It's so much fun!
  17. Call them and ask for them to convert it to a regular card and see if they can do what's called a full L.I.R. (Limit Increase Review). I think that's Discover's fancy way of saying CLI. lol Anyway, they should be able to do something for you. How long have you had the account?
  18. Just speaking from my own personal experience, but with those scores, you should be fine. Lexus Financial Services approved me for a 3rd auto with scores a bit lower than yours. It was painless, took about 5 minutes. Anyway, I wish you luck! I hope your wife enjoys the new car!
  19. I would definitely think so, but you should probably give them a call just to make sure.
  20. Makes me think twice about skydiving again!
  21. What's the phone number you called? I can't seem to find one.
  22. Are BOA CLIs ever instant, or do they always need to be reviewed? I just submitted one online, and I left the amount requested blank. Then I get a screen that says I'll be notified in 5-7 days, or if the increase is approved, I will see it on my account summary page. Thanks!
  23. It's one of my New Year's resolutions to not apply for new credit! lol I have more than enough credit cards, three car loans, and I don't plan on buying anything else during 2009. I'm going to work on paying off my cars and getting the one sold. However, I would like to work on getting some CLIs. It would be nice to have all my cards at at least 5k+, but preferably 10k+. Here's hoping with the current credit climate!

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