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Shigeru

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Everything posted by Shigeru

  1. Also: Sterling can and will deactivate your card when there has been 12 months of no activity, and will completely close your account after 24 months of inactivity. I don't know if this is PER CARD or PER CL though...
  2. Sterling currently operates two nation-wide jewelery stores (Jared and Kay) as well as various regional jewelry stores (JB Robinson and others). From what I understood before, the cards share the same core credit limit/line because it's the same company issuing the cards, but the account numbers will be different (i.e., different ways to access the same credit line). I assume this is how a Carson Pirie Scott vs. Bon-Ton department store credit card would work, as opposed to Macy's vs. Bloomingdales. I really should find out though, and let you guys know. I'd reccomend calling credit using
  3. It's reported a balance before...12/07, 4/08, and 10/08. I just don't want to get whacked with interest or mysterious finance charges. Actually just came back from the mall, but the stuff I liked either was not in my size or wasn't on sale...plus I already made a Macy's purchase this month.
  4. BubbaG: I already requested a GLI earlier this month, got +700. Didn't know to ask for more (had not studied CB yet, had not discovered your enlightening posts!), plus I was still hurting from Chase kicking my butt and not giving me the full amount I asked them for (fear of rejection!). Plus it was given by an overseas person, but that's a whole 'nother story...anyways, I guess I should try buy something every month or so to show what a good customer I am (I always PIF with QuickPay as soon as it appears on macys.com)! If I was rolling in cash I'd have the leather sofa I am coveting...
  5. This topic has me plotting a way to get a 4k limit soon... Hm, wonder if they're more willing to give GLIs in November/December for the holiday season...?
  6. Looking at my recent EXP and TU CRs, it's definitely a Visa Signature card, says Visa Signature very plainly across the front just under the embossed numbers, does not report CL, and has at least one of the little "perks" (year-end statements). Don't know how I got it... So do I have to worry about rolling over balances with my Chase then? I've also read it actually hurts you to roll over your balance because it adds it to your total balances without adding a CL, thus hurting utilization...there needs to be a handbook for these things (I've just realized that Signature was special a wee
  7. I just got a substantial GLI this month after calling. First time I've called, previously just got auto-increased. I didn't ask for a number or give a reason, just "whatever you can give me".
  8. Having worked previously at several department and specialty stores, I can tell you that I've had to take physical imprints with that stupid giant ink machine MANY times. People often have warped, cracked, or scratched-up cards that won't swipe OR the stupid internet goes down for some reason and we have to take a physical imprint for the records. Whenever we had to type in a customer's card number manually (those stupid keychain cards NEVER SWIPE properly!) the computer prompts for an imprint, and that's impossible with a "smooth" card. I got into big trouble at my first job (at a lo
  9. Thanks for the replies so far. Of course I'd love more people to join in! Come on people, speak up! I should probably go through my year-end statement for my Chase Freedom and total up all of my gas/grocery/drug store spending to see if Blue Cash is worth it, huh? I do know that for gas I charged 2.3k, but the Visa Signature combines grocery and drug stores with ANY merchandise purchased almost ANYWHERE on the year-end statement. Just glancing through, it doesn't look like I'd hit the 6.5k or whatever bar they set unless I start grocery shopping more (as opposed to eating out). But
  10. Hello. Just discovered this site a week or two ago, and read a LOT here and at other similar sites. I would like to get at least one more credit card, as all I really have is one Visa basically. I have had a Macy's card since the end of 2007 and a Chase Freedom Visa Signature since the begining of 2008. Both started at 500 and are now over 2k in limits. No other lines, no bad things. Always PIF. Going to try roll over 0 balance or <10% balance on Chase before any myFICO scores pulled. Always have PIF before but didn’t know to do it before statement dropped. Latest har
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