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Found 2 results

  1. Hello CB members - New girl here. I have been reading and I appreciate all the good advice I see here. There are a lot of experts here. :-) I would like to start earning points to travel on my own and I have read that Chase is a good place to start. I checked my pre-qualifications on the Chase website and it returned the following results - Marriott Rewards Premier Signature Visa United MileagePlus Explorer Card Sapphire Preferred (but I already have one) Slate Freedom Which should I apply for? I know some here have had good results from applying for multiple cards on the same day. If I choose to do that, is there a sequence I should follow? I have also read that its necessary to freeze Experian. If I do that, will some offers disappear? Background - I have 4 credit cards of my own. Chase Sapphire Preferred from 07/2013 with a credit limit of 12k Tiffany's store charge from 05/2012 with no set limit. Victoria's Secret from 01/2012 with a credit limit of 2900. Sak's Fifth Ave store card from 2011 with a credit limit of 8500. I have been an authorized user on my parents American Express (credit limit unknown) since I turned 16. Date on card is 1976. I have 1 inquiry on all three major credit bureaus. Thanks in advance.
  2. So I get this offer int mail for Capital One, for the Quicksilver. On the outside of the envelope, on the enclosed letter, on the website, it says PRE-APPROVED. But then it states that in Capital One speak, 'pre-approved' means you meet the initial criteria and are LIKELY to be approved. So is this not simply PRE-QUALIFIED and not pre-approved? Yes, it has the opt-out language. I have a CapOne with a $1,000 limit, basically the lowest of my cards. It only has that as the EO got it raised from $300 after two years of no increases. The enclosure states the minimum credit, if approved, would be $500. I see in CreditPulls they may try to pull all three, but even with EX frozen, they will absolutely pull TU and EQ. Look, if they are going to give me, say $3,000-$5,000 (which is where most of my limits are), then I am game even if just to keep utilization low. But I sure do not need several pulls, a lowering of my AAOA, and then I get a $500 limit. Hell, I get offers from Victoria's Secret every day higher than that. So anyone have any experience with these? Should I bite or should I throw it in the trash?

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