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On my way to Atlanta yesterday I got a text. I was suspicious
When I got home I checked out online banking, nothing
I then checked my email, email from Chase Fraud
I clicked the link in the email, page error
I called today.
Actual card was used to purchase $200 at a dollar store in Columbia SC. Chase said it was in in store purchase so someone had replicated my card.
My Freedom card was used at Home Depot and Target.
One more TL
This is the 2nd CC of mine to get hacked in the last 2.5 years.
I see some really nice credit lines, but I now have 3 good Visa/Master and I never shop at Lowes
Apped for Lowes after reading about generous CLIs from them. (not to mention TU pull). Got the, call 800 number for additional review, message and initially approved for $1300. bleh.
Called backdoor a couple hours later and spoke to some very nice lady from overseas about increasing to $25k. After a few minutes of reviewing my CR, "Unfortunately, we can ONLY approve you for $12k." Darn! haha
Next goal, get back in with AMEX.
Perhaps someone can advise on how to proceed?
A little background for those who do not know:
Purchased a major-fixer-upper house last October. Had waited to pull trigger on new credit cards as did not want it to hurt mortgage approval. With repairs to home, utilization went through the roof, maybe to 85-90%. Currently have 10 credit cards or revolving accounts, 7 of which have balances, 3 do not. Another 3 have balances under $200, which could be cleared next cycle if it makes a difference. Basically, it would make a difference on number of cards with balances, but barely 1% on utilization. Overall utilization is now 48% and steadily dropping each month.
Now here is the tricky part:
The two accounts I would most like to see have CLI's are GECRB (Lowe's and Home Furniture) and AMEX (Delta). The issue is those have some of my higher remaining balances.
The furniture was $5,000 of no interest for 24 months. So I have been paying that $200 per month for the last 7 months, but obviously that still leaves a $3,600 balance against $5,000 limit. Lowe's is a little better, as the limit is $5,200 (and I have hit it several times) but currently have it paid down to $2,2000. Amex has a $5,000 limit and a $3,000 balance.
Overall, have $34,000 in revolving credit and $16,000 in balances. Credit scores in mid-to-high 600's. As noted, opened several new cards in October after mortgage closed, and two in 2014.
Would GECRB and AMEX consider CLI's or should I just use what I have and wait until all the October 2013 accounts are a full year old? Also, with several other cards having no balances, I could balance-transfer the AMEX and Lowe's balances to to other cards if that would help somehow?
Wow. I just got off the phone with Citi Best Buy. I have two accounts, 1 with a 600 limit and no annual fee and the other with a 300 limit and a 29 dollar a year fee. I was asking about getting the fee removed from the smaller account. The rep I spoke with informed me that BOTH of the accounts would now have the fee, and ALL Citi BB accounts would now have the 59 annual fees.
So, my oldest good account will be closed in June after 4 years of perfect payments.