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creditcardnoob

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  1. Any idea where I can find the application online, so I can print it and fax it over? Or is calling the only option now???
  2. What's so good about the barclay card anyway? Isn't that a women's clothing line?
  3. Any luck on your discover card? When I opened mine they gave me a $300 cash back offer, and started me off with a $4500 limit. A few months later it automatically increased to $7900, and not even a year later, it automatically increased to $13700. I asked today if a non-inquiry increase to $18K was possible, she said try when my next statement cuts (tomorrow)... who knows! I spend a lot of money on all my cards and I pay in full. I'd say I spent at least $50-$60K on my discover card in 2012, but I barely use it anymore. We'll see what happens tomorrow
  4. Oh sorry it said monthly, I thought it said yearly!
  5. Hi! You go to the ultimate rewards mall and pick cash / statement credit from the tab, and you are done. I'm not sure if they'll post in time as a payment, so do it at you're own risk.
  6. Credit Application: Your Age? 23 Your Equifax Credit Score? 752 Your Experian Credit Score? 749 Your TransUnion Credit Score? 751 How many years have you been on file with Equifax? 6 How many years have you been on file with Experian? 6 How many years have you been on file with TransUnion? 6 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No (I paid off an auto loan for the same type of vehicle, in full) Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? was financed with Chase Bank Your current open auto loan payment is? it was $452 per month Estimated amount you may be upside down in this vehicle? Paid in full Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 10 Total percentage utilized overall? 13% How many of your revolving accounts are store cards? NONE How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 10 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) NONE YOUR PERSONAL INFORMATION How long at your current residence? 10 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Live w/ Relative Your Monthly Rent or Mortgage payment? NONE How long have you held your current job? 5 Years Your total provable monthly gross income is? $200,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Tax Return Is there additional monthly income? What amount monthly? NONE Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2000-$4000, depending on lease offer available Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. - New 2013 Range Rover, MSRP of $83,000
  7. Hey everyone, happy new years eve! I used to have a fico score of about 750-760 for both Equifax and Transunion, but after using a lot of my personal cards for business use (I know, dumb) I've racked up a lot of debt but now I'm paying it off for the most part (I already opened a few new business cards and I've gotten everything in order) BUT I'm focused on my scores now. I just made these payments as of a few days ago, and today: Discover - $12,000 owed / $13700 limit - Paid to $0 Chase: $4700 owed / $20,000 limit - paid to $0 Citi card 1: $1486 owed / $14000 limit - paid to $0 Bank of America - $2900 owed / $5000 limit - paid to $0 I have about 10 cards total, but the remaining cards have 0 balances so I'm not including them. I just paid all of those cards after reporting with a balance for over a year. Before: $30,000 out of an available $74000 After: $9760 out of an available $74000 FICO Before debt paid : 690 FICO after: ?????? Thanks everyone!
  8. Yep! I was shocked... from the time of the balance transfer (did it very late at night, 12:30am I think) to getting the title in my hand, it took 4 days. Payment transferred and posted in less than 48 hours. Called up chase, gave them my fedex account number and they overnighted the title to me. So on day 4, the title was delivered to my door!
  9. Balance transfer is from Citi, and the loan is with chase. I mean all I entered in for the auto loan on Citi's balance transfer page was the auto loans account number (is that sufficient?). I dont see why two enormous financial institutions can't communicate electronically. What would cause such a failure?
  10. I sold my car but I need the title, so I used my balance transfer option to pay off what I owe. How long does it take for the payment to post? If it's possible to expedite it, should I call the auto loan bank or the balance transfer bank? Thanks !
  11. Sounds good I'll check them out. Currently, Chases UR program gives 0.01 per $1 in terms of straight cash back rewards. Not to mention multiple points per dollar and their 5% cash back program. If you were to get cash back from AMEX it would offer you something like $.0060, closer to half a penny per point
  12. nothing wrong with being spoiled if the offer is already out there. Why settle for less when there is MORE? "I don't want to be spoiled so I'll apply for offer with half the cash back bonus and less perks"
  13. Compared to everything else, it's average at best. Discover gave me $250 cash back bonus, 5% on random categories (and double percentage cash back on the month of your birthday. so 10% back) No annual fee Chase gave me $200 back, %5 rewards etc, same as discover. No annual fee Citi gave me $500 back - 50,000 Thankyou points ($125 annual fee waived for the first year). Applied for another chase, $500 back (or $665 if used for airline rewards). I had AMEX so im not just being sour because I don't have it. I purposely cancelled them..... For what it's worth, all those cards have almost the exact same perks or better.
  14. Well looks like after you get 4 credit cards, your luck of finding a card with a decent sign up bonus completely runs out. AMEX is out of the question btw (had them. worst reward system on the planet. its all for show) None of the banks let you sign up for multiple cards, therefore you can't get a signup bonus (youre no longer a first time customer). That said, is there any other bank/lender out there that offers a decent signup bonus that isnt CHASE/CITI/AMEX, that's $100 or over?

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