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  1. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    Thanks! Yes feels good to have a large limit and a bigger name card, Visa Signature Series. The $1800 or so balance....some things maybe I should pay for out of emergency savings. Will have to re-evaluate that. And will keep that theory in mind...thank you...(credit card stuff I was gonna buy anyway, emergency savings for unexpected). Thanks! Great Advice! Now..... Since the last post.....I did a little app spree. Gonna stop that for a bit and only do it yearly or very carefully because...... The only thing that happened was a $100 increase on cap one QS card. 😞 i tried to recon Barclays/jet blue but they said too many credit cards last 2 yrs. (8 cards, some small limits and secured) others I called and they said the BK. ( I am over 2 1/2 years since discharge 3/2016) do I just keep calling the recon lines and see if I get different more lenient people? i do have 5 lates total on an 2 auto loans back in 2014 , pre BK on my reports all my pre BK trade lines say IIB closed due to BK. do I have to change the TL status of my previous BK ...the TL before my BK? thanks! fico on TU and EXP is now 675
  2. credit-credit

    Chase recon works

    How recent was your BK? I had mine in 3/2016....appd amazon card...was given 7-10 indication....got Chase credit inquiry on my TU report. Am I applying too soon? Also, there is a thread on here about BK friendly and age after BK for best approvals. Anyone have that link? Thanks!
  3. credit-credit

    Chase Reconsideration - Explorer Card

    Nice and congrats! How long do you have to be past BK (yours was 5 years) to have a chance with Chase?
  4. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    Hi! So my fico EX is 675 App spreed little bit Jet Blue... Barclays said no...too many cards opened in last 24 months. (I have 8, 3 are toy cards). They pulled EX and my fico was 675 Amazon signature Visa ...synchony. Letter coming. ( I had TU on credit freeze..maybe I don't even want that card, hearing horror stories about synchony) Captial one Venture card. (TU was on freeze, they say they also pull or look at Lexus Nexus). I called app line, told them I unlocked TU, they said had to apply again, and would not give me any info. ###Maybe call the capital one recon hotline? Anyone got a good number? Now for the BIG NEWS! LOL applied to NFCU for the Visa Signature Rewards. Top of the line card, 50k points after 3 months 4,000 USD spend. (That's $500 cash back the 50k points) Got approved for $15,000. Yes. FIFTEEN THOUSAND! So glad, gonna go pick up my card tomorrow from the branch. (they fedes it and rush it for 12 dollars, that they put on the Visa card So now my total revolving credit card lines are is about 25k on 8 cards ..up from 500 dollars on 2 cards when I started 2/2017 I had my balances paid off for end of August, now I have about $1800 dollars on balance, have to find a good balance transfer card. I'm seraching, but any thoughts? I did IIB bank of America (mbna) and Chase (paid them after they attached my money) and I think American Express was IIB also.....hmmmmmm. Gonna check the time limits for IIB threads vs BK. I did cancel my toy card open sky, $200, and they are refunding my secured deposit Have yet to cancel my Credit One...( I know I knowwwwww) and myabe my Capital One. That one is $500 limit with $50 secured. They won't transfer it to a real card....you must cancel it. Grrrrr yes it was a good day today! Had to share 😊 CR2x
  5. credit-credit

    Bk friendly credit cards after 1 year?

    Hey sorry to resurect an old topic but this raised a question for me. When I included cards in my BK...aka IIB.... How do I know if they are reporting correctly? (Pulling my reports I guess..duh) And.....what is the best way for them to report? ...what should an "IIB reporting correctly" look like and what would it state on the credit report? Thanks. CR2x
  6. credit-credit

    Wells Fargo Personal LOC 20k Approved

    nice!
  7. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    thank you for confirming. I think my next step is to wipe off the baddies for all 3 CRAs I also want to app spree about 4 to 6 mid to high line cards. on the same day, and see if I can get any cash or travel rewards. ive seen it before, but where is the list of cards that will consider a BK after x amount of years...mine is over 2 but less than 3 yrs. dont want to waste applying if the credit card wont lend to me if my BK is not 3 yrs or older. along the same lines, some cards wont lend to you if their account was included in IIB cards that do BK and length of time and card that wont lend to you if IIB hmmmm..mmaybe I will search that in google! anywho...thank you everyone for the guidence CR2x
  8. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    isnt a car loan...i have a used car loan and a refinanced car loan...and a secured personal loan ...arent those installment loans? (I dont have a mortgage, I rent ) also...the discover is only $1450 avail limit. (what is the abreviation for this..haha. CLA..credit limit available?) and my limit on NFCU is $6000. the 2 dollar fico trick says leave $2 on the BIGGEST credit card trade line...and if that is discover...then it has to be $3. thats how I interpreted it..maybe Im wrong in that one. anywho....NFCU reported the ending balance of $3.18. will try to time the $2 mark next month....its on the statement closing date, and NFCU reports it to the CRAs the next day. Cr2X
  9. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    ok...so just paid $7.70 on discover and $.01on the TD bank...the other day I paid the NFCU over $2 excess of $1.18...but dint make the statement closing. trying to get the hang of...closing date, statement date, due date, and reporting to the CRAs date. hopefully I have everything lined up for zero balances and $2 reporting on highest revolving TL. if I missed it this month, will strive for it to happen next month! thank you! CR 2x aka credit-credit
  10. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    hi nyquil....thanks for ur interest ... i have a BK from march 2016 i have 5 or 6 lates on two car loans from 2014 and 2013 and... I have to look again to see what accounts are listed on my reports, but most were IIB, except for my new credit lines I have to work on getting those TLs off my report...the ones that were IIB. and the 2 car loans I have late payments on with Wells Fargo Dealer Services. Any links or guidance would be helpful. And I will keep reading the forums. those are the only things Im thinking that might be pulling my FICO down. I am glad my current TL are above 10k, and my 3 installments accounts total almost 40k. 2 car loans and a personal loan. Here is something crazy! on my discover which is totally paid...the put $7.70 interest on the account the last day before the billing cycle, so I couldnt pay that, and the same with NFCU...they put $1.18 on at the last minute. And...I had a credit of $17.72 on my TD bank card. got gass last night...and....pumped $17.73!!!! missed it by a penny! gahhhhhhh! so my closing revolving balances should be as follows nfcu. $3.18 ----- highest Trade Line Avail $6k TD bank. $ .01 Discover. $7.70 all other 5 credit cards are paid to zero. was trying to hit the ...(all paid to zero, highest TLA with $2 balance) Fico trick Oh! btw, discover 8.22.2018 fico dropped 5 point to 660 , maybe due to my app for the NFCU increase. will report in with my other Sept FICOs so, that is my current situation. any advice would be great! thanks! credit 2x aka credit-credit
  11. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    ok.... so discover is paid in full nfcu is paid.....has a 2 dollar balance on it.... bill was due today, and cycle is on the 27th...reports to CRAs on the 30th still have to cancel credit one at 900 avail and open sky at 200 avail...cancel the toy junk bottom feeder cards so right now I have my revolving credit card TLs available credit over 10k. my biggest card, nfcu at 6k avail...has 2 dollars on it. lets see what happens with Sept Ficos! july was 635 and august was 655 now, the wait and check the first week of september
  12. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    ok.... so discover is paid in full nfcu is paid.....has a 2 dollar balance on it.... bill was due today, and cycle is on the 27th...reports to CRAs on the 30th still have to cancel credit one at 900 avail and open sky at 200 avail...cancel the toy junk bottom feeder cards so right now I have my revolving credit card TLs available credit over 10k. my biggest card, nfcu at 6k avail...has 2 dollars on it. lets see what happens with Sept Ficos! july was 635 and august was 655 now, the wait and check the first week of september
  13. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    And, I couldnt resist. Lol. Asked Navy Federal aka NFCU for a CLI on my $2k mastercard They did one hard pull on one CRA and I was granted a 4k increase...up to a credit line of $6000. That sure was good news! So my next steps: Cancel Credit One ($900 TL) Cancel Open Sky. ($200 TL) Combine Capital One cards (someone on the regular call in line said they couldnt combine my secured with unsecured, so I might have to cancel Capital One $50 secured that is up to $500 TL) Have all cards paid, except for $2 Fico trick, and see where my Fico is for Sept 2018 will keep ya updated! 😊 thanks! Starting to trim off the "toy cards" and hoping to get some larger Credit Limits Thank uuuuuuu!
  14. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    Oh, and does it matter how much I hit the CLI button aka happy love button when it is located in a banking app and it just does only a soft pull? Or do I have to wait a certain time, say 30 to 60 days ?
  15. credit-credit

    Plan to Upgrade Credit Card Quality to Premier Cards

    Ok. Gotcha! Thanks for the info! I will check on the fico update and when that happens. Ok SUPER NEWS!!!!..my TD bank secured card for $900...just got graduated to UNsecured! so frees up $900. Yay! So that money will help drive down my Discover bill to 3 dollars. Now.. At least 2x the mimimum on the promos. Is this the 2 x the minimum payment balance they ask for on the statement? And why is that important? Here is what Discover looks like right now. On the $1400 discover....500 is actual full price/no promo dollars. $900 is the promo dollars...zero percent for 12 months on the balance transfer after paying a 3 percent fee. Making my goal to head toward end of month with 3 dollars on Discover, and zero dollars on all my other cards. (The 2 dollar trick for visa or mastercard, maybe I should do that....highest limit card is MC on NFCU for $2000. My Discover is not quite as high. That one is at $1450 limit. So 2 or 3 dollars will be used ) I will reread that thread and see if one is better that the other to show the small balance, dont think that would matter much, being that the limits are kinda close Thanks! Credit2x Credit 2x

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