Jump to content

brainchasm

Members
  • Content Count

    1,943
  • Joined

  • Last visited

About brainchasm

  • Rank
    BS Detector
  • Birthday 11/25/1975

Recent Profile Visitors

262 profile views
  1. brainchasm

    Aloha Pacific Opening Las Vegas Branch

    So, you won't be leaving a tip?
  2. brainchasm

    Which new wallet should I keep?

    Penguins projectile-poop. Sometimes on each other. There; that's a thing you know now.
  3. brainchasm

    NEW BREAC

    Welp, I guess it was worth a shot, from the hacker's perspective...
  4. brainchasm

    Master 2019 Approvals and CLIs Thread

    Yup, approved. Unknown amount. [eta] Finagled the phone system - limit is $10k. That was barely even worth doing.
  5. brainchasm

    The Master Balance Transfer Thread

    App'd Chase for a Slate, turns out I'm still 5/24 for at least four to six months, depending on how you count. So, I had to swallow my pride, and app at BofA for a Bankamericard. It's in review.
  6. brainchasm

    Master 2019 Approvals and CLIs Thread

    Might go here eventually: App'd a Bankamericard for the BT offer. NFCU BT is expiring, but here's the real rub: I'm 5/24 by FOUR MONTHS! So I couldn't get the Slate I wanted. Didn't even realize...so annoyed. (also, didn't know Chase stopped doing phone apps, like two years ago!)
  7. I was more referring to Kat58's recommendation of the store card as a solution for IndyPoolPlayer's DW, and then his possible misunderstanding that there are two possible Amazon Prime cards (which we know his wife can't get the Chase one). Anyway, Happy Friday!
  8. I think they meant the "store-only" Amazon card, not the VISA from Chase. The store-only is through Synchrony.
  9. I wish they'd bring the Zync back. Mostly for the giggles, but at least it had SOME sort of rewards program. And it was sparkly and white, so I called it my Twilight AMEX. And laughed. And not nicely.
  10. brainchasm

    USAA CLI strategic guidance

    I just didn't want to suffer two hard pulls in the same five minute period, if there was no reason to.
  11. brainchasm

    Is there such a thing as too many CCs?

    I'm still very solidly a CW. My new (after my moments-ago CLI spamfest) quiet pride is having $250k+ purely in revolving, CC lines. I used to have to add in CLOCs and so on for that number. Of note: Chase said no, AMEX said no, I'm not asking NFCU again; it's gotten...awkward..., last time I asked WF they just took it from my other card (dammit!), Alliant finally said yes, Citi soft said no (but it's not been long enough), Discover routinelyish says ok, I'm not asking PenFed, USAA finally said yes quietly and yes loudly, and Barclays...I dunno if I care enough. [eta] Woooow! Barclays actually dug into my report by hand, asked about high balances (BT at 0%) on my NFCU card, why I wanted a CLI, etc. And then said no. Current balances too high. (I should stash all of them over onto my non-reporting JPM line, re-app, and then pull them out of the closet again, and cackle maniacally)
  12. brainchasm

    USAA CLI strategic guidance

    Rolled dice, based on historical information I found that doing two CLIs on the same day resulted in 1 HP. Anyway, $15k card went to $17k. I mean, I guess. $5k card went to $16k. I'll take it. I dunno if that was potentially worth two hard pulls, but I've been gardening pretty well, so it's not the worst thing that's gonna happen in 2019.
  13. brainchasm

    USAA CLI strategic guidance

    Ok, so... I have two USAA credit cards. A RateAdvantage providing OD protection, limit is $15k. A PowerCash Rewards or whatever, for normal use, limit of $5k. These are the least competitive cards (wrt limits) I have today. If I do a CLI request on one card, and it is denied, will I then suffer an additional hard pull if I try on the second card? Does anyone have data or anecdotes on this? Because calling in and asking them, the answer was Yes, so my answer was nevermind. I'm only looking at this because I temp unfroze my reports to hit up CardMatch.com to see if there was a 100k AMEX offer for me. Nothing there, but anyway the reports are unfrozen until tomorrow, so I thought I would try to make some sort of hay while the sun was shining, so to speak.
  14. brainchasm

    The Master Why We Complain About Discover Thread

    So...Millenials?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×

Important Information

Guidelines