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  1. For what it's worth, I joined the NL of San Diego back in October and my name has never been listed in that column. Either they're VERY far behind or signing up online isn't enough to get you listed there. (I have, however, gotten my delightful issues of SEAPOWER magazine.)
  2. Hit the button yesterday at around 100 days. Biggest increase yet (as you can see from my signature)! $12,500 --> $17,500!
  3. Help me if I'm missing something, but can you take out Federal loans for a foreign educational institution? I don't believe the DoE certifies them...
  4. Just found out I got approved for $10,000 (assuming signature, but I forgot to ask the CSR). For the record, I applied online, and it was an EQ pull (though I had EX frozen as a precaution). 759 score from MyFico right before. Upper 40s income. One other INQ on EQ (from PenFed a week before).
  5. Have you called the application status number? Ron. Good call. $10,000 limit. They could rush it via UPS, but not in time for a trip I'm taking on Tuesday anyway, so I guess I'll be waiting...
  6. I was going to try that. I called up the regular CS number for the card (from the website) and gave them my SSN. A day after the card had been approved, it still wasn't in their system. The CSR suggested I call back in a week to check.
  7. I thought that when I first saw the picture too. Look closely, you'll see it's a 5 and not a 3, so it is 3 years.
  8. congratulations on your graduation! Your cards already have decent age on them. Ideally, when your amex has reported its 13th cycle, applying for a couple rewards cards that serve your spending patterns is in order. This might be a good time to join PenFed, especially if you can take advantage of 5% back on gas, airfare, or both. Be careful as you enter graduate school. Don't do I as did and ignore the need to budget. Does your Citi card serve you well or would the mainline Forward card be better? If so, ask Citi for a conversion. I also think a Barclays card is in order. If you add Penfed, Barclays, and one other card you will be in excellent shape to emerge from graduate school with solid, aged, cards. Current grade B with a bronze star and a piece of cake for graduation. Thank you for the advice! Quick question (though I don't mean to sidetrack other responses), what do you mean exactly by a "mainline" forward? I realize that I had a student mtvU card, but is there some way of telling if I still have a student forward? Is there a difference between it and the "mainline" forward? Thank you again! I guess I was assuming you had the student forward, but if your card is the mainline forward you're in great shape. Couldn't quite wait. Apped PenFed Platinum Rewards, got it with a $6,500 line! Thanks again for the advice!
  9. congratulations on your graduation! Your cards already have decent age on them. Ideally, when your amex has reported its 13th cycle, applying for a couple rewards cards that serve your spending patterns is in order. This might be a good time to join PenFed, especially if you can take advantage of 5% back on gas, airfare, or both. Be careful as you enter graduate school. Don't do I as did and ignore the need to budget. Does your Citi card serve you well or would the mainline Forward card be better? If so, ask Citi for a conversion. I also think a Barclays card is in order. If you add Penfed, Barclays, and one other card you will be in excellent shape to emerge from graduate school with solid, aged, cards. Current grade B with a bronze star and a piece of cake for graduation. Thank you for the advice! Quick question (though I don't mean to sidetrack other responses), what do you mean exactly by a "mainline" forward? I realize that I had a student mtvU card, but is there some way of telling if I still have a student forward? Is there a difference between it and the "mainline" forward? Thank you again!
  10. Again, you should consult with a bankruptcy attorney in your state, but a quick google search turned this up: http://www.bankruptcylawnetwork.com/my-school-wont-give-me-my-transcript-after-banrkuptcy/
  11. Graduated from college this past May and am now working. Will probably work for another year before heading to graduate school (and probably some graduate student loans). I'd love to hear your thoughts and what you think I should focus on going forward! Citi mtvU Forward - 07/08 $11,500 Discover Open Road - 08/08 - $4000 Ameriprise MasterCard - 09/08 - $2,500 Alliant Platinum Rewards - 06/09 - $2,500 Amex Costco TrueEarnings - 10/11 - $11,500
  12. From what I've always known this is ALL wrong. When you call in and use the AUTOMATED system, it is a SOFT pull. I've had luck by selecting the "other" option after they request the reason for the increase. IF, however, they say "it looks like we're going to need more information," they'll try to transfer you to a Rep. THAT would result in a hard pull, so I would recommend just hanging up before you get transferred. I've done this after paying my statement every single month for the past few years and NEVER had a hard pull.
  13. Local CUs really do rock. I walked into a local one near where I go to college in Maine and walked out with a Free Rewards Checking account that pays 5% APY and reimburses ATM fees w/ pretty easy requirements (one Deposit each month, 12 Debit transactions--I keep those to under $5 each, and estatements). Who says CUs can't compete?

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